Does REI cover IVF?
What REI publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
Yes. REI says it covers IVF for eligible US employees, up to 3 cycles. Part-time workers can qualify: part-time employees qualify for the Full Benefits Plan by averaging 23 or more hours a week over a 12-month evaluation period (20 hours for the 2026 plan year if hired on or before December 1, 2025). The benefit is run by Aetna.
What REI says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
IVF is covered
“Covered services include the following services provided by a network ART specialist: Ovulation induction cycle(s) using medication to stimulate the ovaries. This may include the use of ultrasound and lab tests. In vitro fertilization (IVF).”
Choice and Saver medical plans, in network
3 cycles
Three assisted reproductive technology (ART) cycles per lifetime at network providers; ART outside the network is not covered. The row is from the plan's schedule of benefits, whose columns are its two network tiers and out of network.
“Maximum ART cycles 3 3 Not covered per lifetime”
Run by Aetna
Aetna administers the fertility benefit for REI, so it is the one to call about which clinics are in network and what needs approval first.
“The REI Choice Medical Plan, administered by Aetna, works like a PPO plan in which you:”
Adoption
REI says its adoption assistance plan pays up to $7,500 per adopted child.
“$7,500 per adopted child for “Covered Adoption Expenses” (“Per-Child Maximum Amount”).”
Can part-time REI 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: part-time employees qualify for the Full Benefits Plan by averaging 23 or more hours a week over a 12-month evaluation period (20 hours for the 2026 plan year if hired on or before December 1, 2025).
“You will be eligible for the REI Full Benefits Plan if you average 23 or more hours per week over the course of a 12-month evaluation period.”
“For eligiblity for the 2026 benefit plan year, which runs from January to December, eligibility is determined if you average 20 or more hours per week over the course of a 12-month evaluation period.”
Six things to ask REI 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 REI chooses to cover matters more than your state's IVF insurance law.
REI and IVF: common questions
Does REI cover IVF?
Yes. REI says it covers IVF for eligible US employees, up to 3 cycles. Part-time workers can qualify: part-time employees qualify for the Full Benefits Plan by averaging 23 or more hours a week over a 12-month evaluation period (20 hours for the 2026 plan year if hired on or before December 1, 2025). The benefit is run by Aetna. Read on REI's own benefit pages on Oct 11, 2026.
How much IVF does REI cover?
REI states this limit: Choice and Saver medical plans, in network: 3 cycles (Three assisted reproductive technology (ART) cycles per lifetime at network providers; ART outside the network is not covered. The row is from the plan's schedule of benefits, whose columns are its two network tiers and out of network.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does REI cover IVF for part-time employees?
Part-time workers can qualify: part-time employees qualify for the Full Benefits Plan by averaging 23 or more hours a week over a 12-month evaluation period (20 hours for the 2026 plan year if hired on or before December 1, 2025). Eligibility rules are the first thing to confirm with REI before you count on the benefit.
How do I confirm what REI covers?
Ask REI's benefits center or Aetna 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.
- REI 2026 Saver & Choice Medical Plan Summary Plan Description (Aetna booklet, plan effective January 1, 2026) (REI's own page, plan year 2026)
- REI 2026 Choice Medical Plan Schedule of Benefits (plan effective January 1, 2026) (REI's own page, plan year 2026)
- REI For Your Benefit: Benefits Eligibility (REI's own page)
- REI For Your Benefit: Medical (REI's own page)
- REI Adoption Assistance Plan document (2025, linked as the current 'Adoption Plan Document') (REI's own page, plan year 2025)