Does PepsiCo cover IVF?
What PepsiCo 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. PepsiCo says it covers IVF for eligible US employees, up to a $35,000 lifetime maximum. PepsiCo does not say on its public pages whether part-time workers qualify (the Fertility Solutions Program is for employees enrolled in the MyChoice HSA, MyChoice Traditional, MyChoice Copay, Crossover First or Local 727 medical options).
What PepsiCo says it covers
Read on Oct 30, 2026. The words in quotation marks are the source's own.
IVF is covered
“Fertility support (e.g., assisted reproductive technology (IVF) and egg freezing) without an infertility diagnosis will now be covered.”
Stated limit
$35,000 lifetime
One lifetime maximum per eligible employee, shared by IVF, egg freezing and surrogacy assistance, medical and drug claims together, and only through PepsiCo's Fertility Solutions Program.
“These benefits are subject to a $35,000 lifetime maximum benefit per eligible employee and must be accessed through the Fertility Solutions Program.”
Infertility diagnosis
PepsiCo says you do not need an infertility diagnosis to use the benefit.
“Fertility support (e.g., assisted reproductive technology (IVF) and egg freezing) without an infertility diagnosis will now be covered.”
Egg freezing
PepsiCo says egg freezing is covered.
“Fertility support (e.g., assisted reproductive technology (IVF) and egg freezing) without an infertility diagnosis will now be covered.”
Surrogacy
PepsiCo says surrogacy assistance is covered together with IVF and egg freezing, up to one lifetime maximum of $35,000.
“Fertility Support/Surrogacy Assistance Assisted reproductive technology (IVF), egg freezing and surrogacy assistance covered up to a lifetime maximum benefit of $35,000.”
Adoption
PepsiCo says its Adoption Assistance Program reimburses up to a lifetime maximum of $35,000 of qualifying adoption expenses.
“PepsiCo's Adoption Assistance Program will reimburse* you up to a lifetime maximum of $35,000 of qualifying adoption expenses for the adoption of an eligible child.”
Can part-time PepsiCo workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
PepsiCo does not say on its public pages whether part-time workers qualify (the Fertility Solutions Program is for employees enrolled in the MyChoice HSA, MyChoice Traditional, MyChoice Copay, Crossover First or Local 727 medical options).
You have to be enrolled in a PepsiCo medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“If you’re enrolled in PepsiCo’s MyChoice HSA, MyChoice Traditional, MyChoice Copay, Crossover First, or Local 727 medical option, you can participate in the Fertility Solutions Program.”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
PepsiCo: stated limit
$35,000 lifetime
US: one cycle all in
$23,000–$30,000
With medications ($3,000–$7,000) and the common add-ons. How it adds up
- $35,000 is enough for about 1 typical cycle at those prices.
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.
Six things to ask PepsiCo 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 PepsiCo chooses to cover matters more than your state's IVF insurance law.
PepsiCo and IVF: common questions
Does PepsiCo cover IVF?
Yes. PepsiCo says it covers IVF for eligible US employees, up to a $35,000 lifetime maximum. PepsiCo does not say on its public pages whether part-time workers qualify (the Fertility Solutions Program is for employees enrolled in the MyChoice HSA, MyChoice Traditional, MyChoice Copay, Crossover First or Local 727 medical options). Read on PepsiCo's own benefit pages on Oct 30, 2026.
How much IVF does PepsiCo cover?
PepsiCo states this limit: $35,000 lifetime (One lifetime maximum per eligible employee, shared by IVF, egg freezing and surrogacy assistance, medical and drug claims together, and only through PepsiCo's Fertility Solutions Program.). For comparison, one IVF cycle in the US typically costs $23,000 to $30,000 all in.
Does PepsiCo cover IVF for part-time employees?
PepsiCo does not say on its public pages whether part-time workers qualify (the Fertility Solutions Program is for employees enrolled in the MyChoice HSA, MyChoice Traditional, MyChoice Copay, Crossover First or Local 727 medical options). You have to be enrolled in a PepsiCo medical plan to use it. Eligibility rules are the first thing to confirm with PepsiCo before you count on the benefit.
Does PepsiCo cover egg freezing?
Yes. PepsiCo says egg freezing is covered: "Fertility support (e.g., assisted reproductive technology (IVF) and egg freezing) without an infertility diagnosis will now be covered."
How do I confirm what PepsiCo covers?
Ask PepsiCo's benefits center 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.
- PepsiCo Parents Guide (for salaried PepsiCo employees): Understanding Your Options (PepsiCo's own page)
- PepsiCo Parents Guide (for hourly PepsiCo employees): Understanding Your Options (PepsiCo's own page)
- Total Rewards at a Glance for Salaried U.S. Employees of PepsiCo (PepsiCo's own page)
- PepsiCo Parents Guide (for salaried PepsiCo employees): Adoption Assistance (PepsiCo's own page)