Does Oracle cover IVF?
What Oracle 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
Oracle says it covers fertility treatment for eligible US employees, with no lifetime maximum, but its public pages do not name IVF. Oracle does not say on its public pages whether part-time workers qualify. The benefit is run by UnitedHealthcare.
What Oracle says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
Fertility treatment is covered; IVF is not named
“We also offer fertility, surrogacy, and adoption aid with fee reimbursement options.”
UHC Medium PPO and Premium PPO plans (2026 plan comparison)
No lifetime maximum
Covered at 70% in UnitedHealthcare's Fertility Solutions network with no deductible; care outside that network is not covered.
“Fertility Treatment No lifetime maximum (Fertility charges do not apply to out of pocket maximum)”
Run by UnitedHealthcare
UnitedHealthcare administers the fertility benefit for Oracle, so it is the one to call about which clinics are in network and what needs approval first.
“4 United HealthCare Plan Members: Contact Fertility Solutions Program (FS) at 1-866-774-4626”
Adoption
Oracle says it reimburses up to $14,400 for each qualified adoption.
“Adoption assistance: Oracle reimburses you up to US $14,400 for eligible expenses incurred with each qualified and legally recognized adoption.”
Surrogacy
Oracle says it reimburses surrogacy contract expenses up to a lifetime maximum of $25,000.
“assistance for eligible expenses related to a surrogacy arrangement. Oracle provides up to a lifetime maximum of US $25,000 for the reimbursement of expenses associated with a Surrogacy Contract.”
Can part-time Oracle workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
Oracle does not say on its public pages whether part-time workers qualify.
Six things to ask Oracle 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 Oracle chooses to cover matters more than your state's IVF insurance law.
Oracle and IVF: common questions
Does Oracle cover IVF?
Oracle says it covers fertility treatment for eligible US employees, with no lifetime maximum, but its public pages do not name IVF. Oracle does not say on its public pages whether part-time workers qualify. The benefit is run by UnitedHealthcare. Read on Oracle's own benefit pages on Oct 11, 2026.
How much fertility treatment does Oracle cover?
Oracle states this limit: UHC Medium PPO and Premium PPO plans (2026 plan comparison): No lifetime maximum (Covered at 70% in UnitedHealthcare's Fertility Solutions network with no deductible; care outside that network is not covered.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Oracle cover IVF for part-time employees?
Oracle does not say on its public pages whether part-time workers qualify. Eligibility rules are the first thing to confirm with Oracle before you count on the benefit.
How do I confirm what Oracle covers?
Ask Oracle's benefits center or UnitedHealthcare 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.
- Benefits Life at Oracle (Oracle Careers) (Oracle's own page)
- Oracle US Benefits: 2026 Medical Plan Comparison (public page; default columns UHC - Medium PPO and UHC - Premium PPO) (Oracle's own page, plan year 2026)
- Oracle Benefit Highlights (2026BenefitHighlights.pdf, Oracle US Benefits public welcome page) (Oracle's own page, plan year 2026)