Does Microsoft cover IVF?
What Microsoft publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
- Benefit pages read · checked 16 h ago
Yes. Microsoft says it covers IVF for eligible US employees, up to 2 Progyny Smart Cycles. Part-time workers can qualify: the benefit is open to all US benefits-eligible part-time and full-time employees enrolled in a Premera, Surest or Kaiser Washington plan; retail employees must be regularly scheduled for 20 or more hours a week and wait 30 days. The benefit is run by Progyny.
What Microsoft says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
IVF is covered
“Customized fertility treatment with a fast track to in vitro fertilization (IVF)”
Premera, Surest and Kaiser Washington plans
2 Smart Cycles
Per family, with one more Smart Cycle if the first two do not end in a live birth. The plan's deductible, coinsurance and copays still apply. The Kaiser Permanente California plan has its own, different fertility coverage.
“The Progyny benefit includes a lifetime limit of 2 Smart Cycles per family (with one additional Smart Cycle if the first two do not result in a live birth).”
Run by Progyny
Progyny administers the fertility benefit for Microsoft, so it is the one to call about which clinics are in network and what needs approval first.
“Our partnership with Progyny ensures you have access to the best resources and support available.”
Egg freezing
Microsoft says egg freezing is covered.
“Fertility preservation via egg/sperm freezing”
Adoption and surrogacy
Microsoft says it reimburses up to $10,000 per child for eligible adoption, surrogacy or embryo donation expenses, up to a $30,000 lifetime household maximum.
“Microsoft will reimburse up to $10,000 USD (per child) for eligible adoption, surrogacy, or embryo donation expenses–including unsuccessful attempts–up to $30,000 USD lifetime household maximum. Reimbursements are grossed up for taxes.”
Can part-time Microsoft workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
Part-time workers can qualify: the benefit is open to all US benefits-eligible part-time and full-time employees enrolled in a Premera, Surest or Kaiser Washington plan; retail employees must be regularly scheduled for 20 or more hours a week and wait 30 days.
You have to be enrolled in a Microsoft medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“This benefit is available to all U.S. benefits-eligible part-time and full-time employees and their eligible spouse/domestic partners who are enrolled in a Premera, Surest, or Kaiser Foundation Health Plan of Washington health plan.”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
Microsoft: stated limit
2 Smart Cycles
US: one cycle all in
$25,000–$32,000
With medications ($3,000–$7,000) and the common add-ons. How it adds up
- Premera, Surest and Kaiser Washington plans: 2 Smart Cycles is 2 IVF cycles with the embryos frozen plus 2 frozen embryo transfers, or another mix that adds up to 2.
These are cash prices. A plan pays its own negotiated rates, and you still owe its deductible and coinsurance, so treat this as a rough guide. A Smart Cycle is the unit Progyny counts its benefit in: the services, tests and medications for one type of treatment are bundled and given a Smart Cycle value. By Progyny's own examples, one ivf cycle with a fresh embryo transfer uses 3/4, one ivf cycle with the embryos frozen uses 3/4, one frozen embryo transfer uses 1/4, one iui uses 1/4.
Source: Progyny, What is a Smart Cycle?
Six things to ask Microsoft before you count on it
A public benefits page is a summary. The plan document for your own plan and location is what the plan pays by.
- 1.What is the lifetime maximum, and do fertility drugs count toward it or have their own limit?
- 2.When does coverage start after my hire date, and how many hours a week do I need to keep it?
- 3.Do I need an infertility diagnosis, or prior authorization, before treatment is covered?
- 4.Which fertility clinics near me are in network, and what do I pay if mine is not?
- 5.What are the deductible, the coinsurance and the out-of-pocket maximum on the plan the benefit sits in?
- 6.Are egg freezing, donor eggs or sperm, genetic testing of embryos and embryo storage covered?
State insurance laws reach only fully-insured plans, and 67% of covered US workers are in self-funded employer plans, which set their own fertility benefits whatever the state requires. About 50% of employers with 500 or more workers now cover IVF. A large employer's plan is usually self-funded (80% of covered workers at large firms are in one), so what Microsoft chooses to cover matters more than your state's IVF insurance law.
Microsoft and IVF: common questions
Does Microsoft cover IVF?
Yes. Microsoft says it covers IVF for eligible US employees, up to 2 Progyny Smart Cycles. Part-time workers can qualify: the benefit is open to all US benefits-eligible part-time and full-time employees enrolled in a Premera, Surest or Kaiser Washington plan; retail employees must be regularly scheduled for 20 or more hours a week and wait 30 days. The benefit is run by Progyny. Read on Microsoft's own benefit pages on Oct 11, 2026.
How much IVF does Microsoft cover?
Microsoft states this limit: Premera, Surest and Kaiser Washington plans: 2 Smart Cycles (Per family, with one more Smart Cycle if the first two do not end in a live birth. The plan's deductible, coinsurance and copays still apply. The Kaiser Permanente California plan has its own, different fertility coverage.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Microsoft cover IVF for part-time employees?
Part-time workers can qualify: the benefit is open to all US benefits-eligible part-time and full-time employees enrolled in a Premera, Surest or Kaiser Washington plan; retail employees must be regularly scheduled for 20 or more hours a week and wait 30 days. You have to be enrolled in a Microsoft medical plan to use it. Eligibility rules are the first thing to confirm with Microsoft before you count on the benefit.
Does Microsoft cover egg freezing?
Yes. Microsoft says egg freezing is covered: "Fertility preservation via egg/sperm freezing"
How do I confirm what Microsoft covers?
Ask Microsoft's benefits center or Progyny for the plan document (the summary plan description) for your own plan and location, and check the lifetime maximum, whether fertility drugs count toward it, whether a diagnosis or prior authorization is needed, and when coverage starts after you are hired. Benefits change each plan year, usually on January 1.
- Fertility and Family Building (Microsoft US Benefits) (Microsoft's own page)
- Adoption and Surrogacy Assistance (Microsoft US Benefits) (Microsoft's own page)