Does University of Pennsylvania cover IVF?
What University of Pennsylvania 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. University of Pennsylvania says it covers IVF for eligible US employees, up to a $30,000 lifetime maximum. University of Pennsylvania does not say on its public pages whether part-time workers qualify. The benefit is run by Carrot.
What University of Pennsylvania says it covers
Read on Oct 30, 2026. The words in quotation marks are the source's own.
IVF is covered
“Assisted reproduction such as in vitro fertilization (IVF)”
Stated limit
$30,000 lifetime
One lifetime maximum for fertility treatment through Carrot. A couple who both work at Penn share one $30,000 for fertility, infertility and gestational surrogacy. Carrot does not cover prescription drugs, which go through the medical plan's CVS Caremark benefit.
“This benefit remains at a flat $30,000 lifetime maximum that can be used for a variety of fertility treatments.”
Run by Carrot
Carrot administers the fertility benefit for University of Pennsylvania, so it is the one to call about which clinics are in network and what needs approval first.
“Penn has partnered with Carrot Fertility to bring you comprehensive fertility health and family-forming benefits that support wherever you are on your journey.”
Egg freezing
University of Pennsylvania says egg freezing is covered.
“Preservation (egg, sperm, embryo)”
Adoption
Penn says benefit-eligible faculty and staff can be reimbursed up to $10,000 of qualified adoption expenses.
“Benefit Eligible faculty and staff may be reimbursed for up to $10,000 in qualified expenses.”
Can part-time University of Pennsylvania 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 Pennsylvania does not say on its public pages whether part-time workers qualify.
The limit beside what IVF costs
A benefit limit means little until it sits next to the price of a cycle.
University of Pennsylvania: stated limit
$30,000 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
- $30,000 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 University of Pennsylvania 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 Pennsylvania chooses to cover matters more than your state's IVF insurance law.
University of Pennsylvania and IVF: common questions
Does University of Pennsylvania cover IVF?
Yes. University of Pennsylvania says it covers IVF for eligible US employees, up to a $30,000 lifetime maximum. University of Pennsylvania does not say on its public pages whether part-time workers qualify. The benefit is run by Carrot. Read on University of Pennsylvania's own benefit pages on Oct 30, 2026.
How much IVF does University of Pennsylvania cover?
University of Pennsylvania states this limit: $30,000 lifetime (One lifetime maximum for fertility treatment through Carrot. A couple who both work at Penn share one $30,000 for fertility, infertility and gestational surrogacy. Carrot does not cover prescription drugs, which go through the medical plan's CVS Caremark benefit.). For comparison, one IVF cycle in the US typically costs $23,000 to $30,000 all in.
Does University of Pennsylvania cover IVF for part-time employees?
University of Pennsylvania does not say on its public pages whether part-time workers qualify. Eligibility rules are the first thing to confirm with University of Pennsylvania before you count on the benefit.
Does University of Pennsylvania cover egg freezing?
Yes. University of Pennsylvania says egg freezing is covered: "Preservation (egg, sperm, embryo)"
How do I confirm what University of Pennsylvania covers?
Ask University of Pennsylvania's benefits center or Carrot 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.
- Carrot Fertility Penn HR (University of Pennsylvania's own page)
- Adoption Assistance Penn HR (University of Pennsylvania's own page)