Does Truist cover IVF?
What Truist 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
Yes. Truist says it covers IVF for eligible US employees, up to 2 Progyny Smart Cycles. Part-time workers can qualify: regular employees scheduled for at least 20 hours a week are benefits eligible, from the first of the month after their hire date. The benefit is run by Progyny.
What Truist says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
IVF is covered
“Smart Cycle bundles of services, tests, and treatments including: In-vitro fertilization (IVF) Frozen embryo transfer Intrauterine insemination (IUI)”
Stated limit
2 Smart Cycles
Per family, for life, with related medication.
“Truist covers up to two Smart Cycles and related medication.”
Run by Progyny
Progyny administers the fertility benefit for Truist, so it is the one to call about which clinics are in network and what needs approval first.
“Progyny services are available to teammates and their spouse or domestic partner who are enrolled in a Truist Aetna or Kaiser Permanente medical plan.”
Egg freezing
Truist says egg freezing is covered.
“Egg and sperm freezing coverage”
Adoption
Truist says full-time teammates with at least a year of service may receive up to $10,000 per adopted child, for up to two adoptions.
“Eligible teammates may receive up to $10,000 in financial assistance from Truist per adopted child, up to two adoptions per lifetime, following final disposition.”
Can part-time Truist 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: regular employees scheduled for at least 20 hours a week are benefits eligible, from the first of the month after their hire date.
You have to be enrolled in a Truist medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“You're eligible for benefits if you're scheduled to work at least 20 hours per week and are classified as a “regular” employee (not a temporary or contract employee).”
“New hires are eligible for benefits on the first day of the month following their date of hire.”
“Progyny services are available to teammates and their spouse or domestic partner who are enrolled in a Truist Aetna or Kaiser Permanente medical plan.”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
Truist: stated limit
2 Smart Cycles
US: one cycle all in
$25,000–$32,000
With medications ($3,000–$7,000) and the common add-ons. How it adds up
- 2 Smart Cycles is 2 IVF cycles with the embryos frozen plus 2 frozen embryo transfers, or another mix that adds up to 2.
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 Truist 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 Truist chooses to cover matters more than your state's IVF insurance law.
Truist and IVF: common questions
Does Truist cover IVF?
Yes. Truist says it covers IVF for eligible US employees, up to 2 Progyny Smart Cycles. Part-time workers can qualify: regular employees scheduled for at least 20 hours a week are benefits eligible, from the first of the month after their hire date. The benefit is run by Progyny. Read on Truist's own benefit pages on Oct 11, 2026.
How much IVF does Truist cover?
Truist states this limit: 2 Smart Cycles (Per family, for life, with related medication.). For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does Truist cover IVF for part-time employees?
Part-time workers can qualify: regular employees scheduled for at least 20 hours a week are benefits eligible, from the first of the month after their hire date. You have to be enrolled in a Truist medical plan to use it. Eligibility rules are the first thing to confirm with Truist before you count on the benefit.
Does Truist cover egg freezing?
Yes. Truist says egg freezing is covered: "Egg and sperm freezing coverage"
How do I confirm what Truist covers?
Ask Truist'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.
- Truist Benefits: Family building benefits (live page) (Truist's own page)
- Truist Benefits: Eligibility for benefits (live page) (Truist's own page)
- Truist Progyny Services SPD with Progyny Member Guide (benefit highlights effective 01/01/2026) (Truist's own page, plan year 2026)
- Truist Benefits: Adoption fee reimbursement (live page) (Truist's own page)