Does University of Michigan cover IVF?
What University of Michigan publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
- Re-checked quarterly · checked Oct 30, 2026
Yes. University of Michigan says it covers IVF for eligible US employees, up to a $20,000 lifetime maximum. University of Michigan does not say on its public pages whether part-time workers qualify (all University of Michigan health plans cover infertility services, and benefit eligibility depends on job group, appointment percentage and appointment length).
What University of Michigan says it covers
Read on Oct 30, 2026. The words in quotation marks are the source's own.
IVF is covered
“IVF is covered for women through age 42 who are diagnosed with infertility.”
All University of Michigan health plans
$20,000 lifetime
20% coinsurance. Self-administered fertility drugs are limited to 5 fills per lifetime, per family.
“IVF coverage is subject to a 20% coinsurance as well as a plan lifetime maximum of $20,000.”
Infertility diagnosis
University of Michigan says the benefit requires an infertility diagnosis.
“IVF is covered for women through age 42 who are diagnosed with infertility.”
Can part-time University of Michigan workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
University of Michigan does not say on its public pages whether part-time workers qualify (all University of Michigan health plans cover infertility services, and benefit eligibility depends on job group, appointment percentage and appointment length).
You have to be enrolled in a University of Michigan medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“All University of Michigan health plans cover services related to infertility.”
“Your eligibility for benefits is based on your job group, your appointment percentage, and the length of your appointment.”
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
University of Michigan: stated limit
$20,000 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
- All University of Michigan health plans: $20,000 is less than one typical cycle, so expect to pay the rest yourself.
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 University of Michigan 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 University of Michigan chooses to cover matters more than your state's IVF insurance law.
University of Michigan and IVF: common questions
Does University of Michigan cover IVF?
Yes. University of Michigan says it covers IVF for eligible US employees, up to a $20,000 lifetime maximum. University of Michigan does not say on its public pages whether part-time workers qualify (all University of Michigan health plans cover infertility services, and benefit eligibility depends on job group, appointment percentage and appointment length). Read on University of Michigan's own benefit pages on Oct 30, 2026.
How much IVF does University of Michigan cover?
University of Michigan states this limit: All University of Michigan health plans: $20,000 lifetime (20% coinsurance. Self-administered fertility drugs are limited to 5 fills per lifetime, per family.). For comparison, one IVF cycle in the US typically costs $23,000 to $30,000 all in.
Does University of Michigan cover IVF for part-time employees?
University of Michigan does not say on its public pages whether part-time workers qualify (all University of Michigan health plans cover infertility services, and benefit eligibility depends on job group, appointment percentage and appointment length). You have to be enrolled in a University of Michigan medical plan to use it. Eligibility rules are the first thing to confirm with University of Michigan before you count on the benefit.
How do I confirm what University of Michigan covers?
Ask University of Michigan'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.
- Infertility Human Resources University of Michigan (University of Michigan's own page)
- Benefits Eligibility Human Resources University of Michigan (University of Michigan's own page)