Does Northrop Grumman cover IVF?
What Northrop Grumman publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
- Re-checked quarterly · checked 12 h ago
Yes. Northrop Grumman says it covers IVF for eligible US employees, up to 1 Progyny Smart Cycle (limits differ by plan, listed below). Northrop Grumman's 2026 plan description opens its Health Plan to employees regularly scheduled to work 20 or more hours a week, among other conditions, so part-time employees working at least 20 hours can qualify. The Progyny benefit is for members enrolled in one of its Anthem medical plans. The benefit is run by Progyny.
What Northrop Grumman says it covers
Read on Oct 30, 2026. The words in quotation marks are the source's own.
IVF is covered
“Fertility and family-forming benefits: In vitro fertilization (IVF), intrauterine insemination (IUI), donor eggs and other services, via Progyny.”
Progyny's 2025 flyer for members of an Anthem medical plan
1 Smart Cycle
Per family, for life. Northrop Grumman's live benefits site and its 2027 enrollment guide name Progyny as the fertility provider.
“1 Smart Cycle per family per lifetime for fertility treatment coverage”
Northrop Grumman Health Plan, 2026 Summary Plan Description
$25,000 lifetime
Per person, for life, and the plan description says it includes IVF and prescriptions to treat infertility. The two documents describe the limit differently: ask the benefits center which one applies to your plan.
“Infertility treatment benefits are limited to a lifetime maximum of $25,000 per person.”
Run by Progyny
Progyny administers the fertility benefit for Northrop Grumman, so it is the one to call about which clinics are in network and what needs approval first.
“Progyny is the fertility and family-forming provider for Anthem members.”
Egg freezing
Northrop Grumman says egg freezing is covered.
“Fertility preservation coverage for egg and sperm freezing”
Can part-time Northrop Grumman workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
Northrop Grumman's 2026 plan description opens its Health Plan to employees regularly scheduled to work 20 or more hours a week, among other conditions, so part-time employees working at least 20 hours can qualify. The Progyny benefit is for members enrolled in one of its Anthem medical plans.
You have to be enrolled in a Northrop Grumman medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“You are regularly scheduled to work 20 or more hours per week; and”
“The person(s) receiving fertility treatment must be enrolled in an eligible Anthem medical plan through Northrop Grumman to have access to the Progyny benefit.”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
Northrop Grumman: stated limit
1 Smart Cycle
The first of 2 stated limits
US: one cycle all in
$23,000–$30,000
With medications ($3,000–$7,000) and the common add-ons. How it adds up
- Progyny's 2025 flyer for members of an Anthem medical plan: 1 Smart Cycle is one IVF cycle with the embryos frozen plus one frozen embryo transfer, or another mix that adds up to 1.
- Northrop Grumman Health Plan, 2026 Summary Plan Description: $25,000 is roughly one typical cycle, less if you add genetic testing or need a second retrieval.
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 Northrop Grumman 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 Northrop Grumman chooses to cover matters more than your state's IVF insurance law.
Northrop Grumman and IVF: common questions
Does Northrop Grumman cover IVF?
Yes. Northrop Grumman says it covers IVF for eligible US employees, up to 1 Progyny Smart Cycle (limits differ by plan, listed below). Northrop Grumman's 2026 plan description opens its Health Plan to employees regularly scheduled to work 20 or more hours a week, among other conditions, so part-time employees working at least 20 hours can qualify. The Progyny benefit is for members enrolled in one of its Anthem medical plans. The benefit is run by Progyny. Read on Northrop Grumman's own benefit pages on Oct 30, 2026.
How much IVF does Northrop Grumman cover?
Northrop Grumman states these limits: Progyny's 2025 flyer for members of an Anthem medical plan: 1 Smart Cycle (Per family, for life. Northrop Grumman's live benefits site and its 2027 enrollment guide name Progyny as the fertility provider.); Northrop Grumman Health Plan, 2026 Summary Plan Description: $25,000 lifetime (Per person, for life, and the plan description says it includes IVF and prescriptions to treat infertility. The two documents describe the limit differently: ask the benefits center which one applies to your plan.). For comparison, one IVF cycle in the US typically costs $23,000 to $30,000 all in.
Does Northrop Grumman cover IVF for part-time employees?
Northrop Grumman's 2026 plan description opens its Health Plan to employees regularly scheduled to work 20 or more hours a week, among other conditions, so part-time employees working at least 20 hours can qualify. The Progyny benefit is for members enrolled in one of its Anthem medical plans. You have to be enrolled in a Northrop Grumman medical plan to use it. Eligibility rules are the first thing to confirm with Northrop Grumman before you count on the benefit.
Does Northrop Grumman cover egg freezing?
Yes. Northrop Grumman says egg freezing is covered: "Fertility preservation coverage for egg and sperm freezing"
How do I confirm what Northrop Grumman covers?
Ask Northrop Grumman'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.
- Northrop Grumman Annual Enrollment 2027 guide (Active Employees) (Northrop Grumman's own page, plan year 2027)
- Fertility and Family Building, Provided by: Northrop Grumman (2025 Progyny Benefit Overview Flyer) (Northrop Grumman's own page, plan year 2025)
- Northrop Grumman Health Plan Summary Plan Description 2026 (Northrop Grumman's own page, plan year 2026)
- Northrop Grumman Total Rewards: Other Healthcare Services, Fertility and Family Building (Northrop Grumman's own page)