Does Avera Health Plans cover IVF?
What Avera Health Plans (South Dakota, Iowa, Nebraska) publishes about covering IVF and other fertility treatment, in its own words, with the document each statement is in.
- Documents read · checked 11 h ago
Not on the plans we could read. Avera Health Plans publishes no infertility policy, and its certificates sit behind the member login. Its 2026 summaries for an individual PPO plan and an employer group PPO plan both list infertility treatment among the services the plan generally does not cover, and tell members to check the policy or plan document, which decides for your own plan.
What Avera's plan summaries say
Read on Oct 27, 2026. The words in quotation marks are the source's own.
Not on the plans we could read; check your plan document
“Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)”
“Infertility treatment”
“Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)”
Individual and family plans
The 2026 summary for its ConnectPlus individual PPO plan lists infertility treatment under the services the plan generally does not cover.
“Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)”
“Infertility treatment”
Employer plans
The 2026 summary for its TotalChoice employer group PPO plan lists infertility treatment the same way, and points members to the policy or plan document for the full list of exclusions.
“Infertility treatment”
“Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)”
Whether your Avera Health Plans plan covers IVF
The Avera Health Plans policy says how it pays for IVF when a plan includes it. Three things decide whether yours does.
- 1.Your employer's choice
Most people with Avera Health Plans coverage get it through work, and the employer picks the benefits. About 50% of employers with 500 or more workers now cover IVF.
- 2.Your plan type
A fully-insured plan follows the law of the state it is issued in. A self-funded plan, which 67% of covered US workers have, does not: it covers whatever the employer chose.
- 3.Your state's law
Some states require fully-insured plans to cover IVF, some require insurers only to offer it, and most require nothing. Your state's line is below.
What specific employers publish about their fertility benefits, including which insurer or benefit company runs them: companies that cover IVF.
Does Avera Health Plans cover IVF in your state?
Each state's insurance law applied to a Avera Health Plans plan issued there. A state law reaches plans issued in that state, usually your employer's state, not where the clinic is.
Avera Health Plans in Iowa
Not because of state law: Iowa has no law requiring private plans to cover IVF, so IVF under an Avera Health Plans plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Iowa law and clinics
Avera Health Plans in Nebraska
Not because of state law: Nebraska has no law requiring private plans to cover IVF, so IVF under an Avera Health Plans plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Nebraska law and clinics
Avera Health Plans in South Dakota
Not because of state law: South Dakota has no law requiring private plans to cover IVF, so IVF under an Avera Health Plans plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). South Dakota law and clinics
State laws as summarized by RESOLVE Insurance Coverage by State, read Oct 1, 2026.
How to see what your Avera Health Plans plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Open your plan's Summary of Benefits and Coverage and look under Services Your Plan Generally Does NOT Cover.
- 2Sign in to the member site for your certificate of coverage: Avera's certificates are not public.
- 3On an employer plan, ask HR whether the plan adds any infertility benefit.
Avera Health Plans and IVF: common questions
Does Avera Health Plans cover IVF?
Not on the plans we could read: its 2026 individual PPO and employer group PPO summaries list infertility treatment as generally not covered. Your own plan document decides.
Where are Avera Health Plans sold?
In South Dakota, northwest Iowa and northeast Nebraska, for individuals, families and employers, plus Medicare Supplement plans.
How do I check my Avera fertility coverage?
Look in your Summary of Benefits and Coverage under the services it generally does not cover, then read your certificate on the member site.
- 2026 Summary of Benefits and Coverage: Avera Health Plans ConnectPlus Standard $6000 (individual + family, PPO) (Avera Health Plans, Coverage Period: 01/01/2026 - 12/31/2026)
- 2026 Summary of Benefits and Coverage: Avera Health Plans TotalChoice $3500 (employer group SBC folder, PPO) (Avera Health Plans, Coverage Period: 01/01/2026 - 12/31/2026)