Does Target cover IVF?
What Target publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
Target says it offers fertility benefits to eligible US employees, but its public pages do not say whether IVF is included or how much is covered. Part-time workers can qualify: hourly team members become eligible for health benefits at an average of 25 hours a week, and the fertility benefit is for those enrolled in a qualifying Target medical plan. The benefit is run by Progyny. Target does not publish a Smart Cycle count or a dollar limit, and its pages do not use the word IVF. Limits quoted for Target on other sites are not on Target's own pages.
What Target 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
“Our comprehensive fertility program removes barriers to care by bundling all the necessary services, tests and treatments, so team members and their doctors can create the customized treatment plan that is best for them.”
Target does not state a dollar or cycle limit on its public pages. That does not mean the benefit is unlimited: the limit is in the plan document its benefits center can send you.
Run by Progyny
Progyny administers the fertility benefit for Target, so it is the one to call about which clinics are in network and what needs approval first.
“You and your enrolled dependents have support on your fertility journey through Progyny. Progyny bundles all the services, tests and treatments you may need, and removes barriers to care so you and your doctor can create the customized treatment plan that is best for you.”
Adoption and surrogacy
Target says it reimburses up to $10,000 per child for eligible adoption expenses and up to $10,000 per attempt for eligible surrogacy expenses.
“Target also reimburses up to $10,000 per child for eligible adoption expenses and up to $10,000 per attempt for eligible surrogacy expenses.”
Can part-time Target 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: hourly team members become eligible for health benefits at an average of 25 hours a week, and the fertility benefit is for those enrolled in a qualifying Target medical plan.
You have to be enrolled in a Target medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“Our hourly team members, the largest team member group at Target, become eligible for health benefits at just 25 hours per week – an industry-leading standard.”
“Target provides access to the following for U.S. team members enrolled in a qualifying Target-sponsored medical plan:”
Six things to ask Target 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 Target chooses to cover matters more than your state's IVF insurance law.
Target and IVF: common questions
Does Target cover IVF?
Target says it offers fertility benefits to eligible US employees, but its public pages do not say whether IVF is included or how much is covered. Part-time workers can qualify: hourly team members become eligible for health benefits at an average of 25 hours a week, and the fertility benefit is for those enrolled in a qualifying Target medical plan. The benefit is run by Progyny. Read on Target's own benefit pages on Oct 11, 2026.
How much fertility treatment does Target cover?
Target does not state a dollar or cycle limit on its public pages. Ask its benefits center for the lifetime maximum and whether fertility drugs count toward it. For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Target cover IVF for part-time employees?
Part-time workers can qualify: hourly team members become eligible for health benefits at an average of 25 hours a week, and the fertility benefit is for those enrolled in a qualifying Target medical plan. You have to be enrolled in a Target medical plan to use it. Eligibility rules are the first thing to confirm with Target before you count on the benefit.
How do I confirm what Target covers?
Ask Target'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.
- Target fact sheet: Pay & Benefits: Setting Target's Team Members Up for Success, at Work and Beyond (updated Apr 13, 2026) (Target's own page, plan year 2026)
- Target Pay & Benefits public site (targetpayandbenefits.com, hosted by Alight): Family Building Benefits (Target's own page)
- Target Corporate: Employee Pay & Benefits (careers) (Target's own page)