Does Cigna cover IVF?
What Cigna Healthcare publishes about covering IVF and other fertility treatment, in its own words, with the document each statement is in.
- Documents read · checked 16 h ago
Only if your plan includes it. Cigna's infertility policy (Coverage Policy 0089, in a revised version effective October 15, 2026) says coverage varies across plans and that IVF is considered only when a plan has an infertility treatment benefit; IVF without an infertility diagnosis is not considered medically necessary. Employers choose among Cigna's fertility options, including one run with Progyny. If you buy your own Cigna plan, the 2026 individual and family plan exclusion lists for the ten states we read exclude IVF.
What Cigna's own documents say
Read on Oct 12, 2026. The words in quotation marks are the source's own.
Only if your plan includes it
“Coverage of infertility diagnostic and treatment services varies across plans. Testing to determine fertility is only available under an applicable infertility benefit plan. In addition, fertility preservation services are only available under an applicable fertility preservation and/or conception benefit, unless state mandates apply. Refer to the customer’s benefit plan document for coverage details.”
“TREATMENT OF INFERTILITY If benefit coverage for infertility treatment is available, the following treatment services may be considered medically necessary:”
“In the absence of a diagnosis of infertility, in-vitro fertilization (IVF) services are considered not medically necessary.”
Who counts as infertile
Unless a plan defines it, Cigna counts infertility as needing medical help to get pregnant, judged from a person's medical, sexual and reproductive history, age, findings or tests. That includes someone who needs donor eggs, sperm or embryos, regardless of relationship status, sexual orientation or gender identity. The policy states no age limit or FSH or AMH cut-off for IVF.
“When not clearly specified in the benefit plan, infertility is defined as the need for medical intervention to achieve a successful pregnancy based on an individual’s medical, sexual, and reproductive history, age, physical findings, diagnostic testing, or any combination of those factors. This includes, for example, the need for an individual, regardless of relationship status, sexual orientation, or gender identity, to use donor gametes or embryos to achieve a successful pregnancy resulting in delivery.”
What an IVF benefit includes
Where a plan has the benefit, the policy lists IVF with embryo transfer, single embryo transfer and natural cycle IVF as medically necessary, with the stimulation, egg retrieval, sperm preparation, lab work, ultrasounds and embryo transfer that go with them.
“in vitro fertilization with embryo transfer (IVF-ET), in vitro with elective single embryo transfer (eSET), or natural cycle IVF, and associated services, including the following: ovulation induction, oocyte retrieval, sperm preparation and washing, associated laboratory tests and ultrasounds, mock embryo transfer/uterine sounding, embryo assessment and transfer, and embryologist services”
The options employers choose from
Employers pick from a range of Cigna fertility benefits. One, run with Progyny, gives access to Progyny's network of more than 650 clinics and cycle-based coverage the employer customizes, with unlimited cycles as an option, and fills fertility prescriptions through Evernorth's Freedom Fertility Pharmacy.
“In addition to the enhanced solution powered by Progyny, Cigna Healthcare continues to offer a range of fertility benefit options for clients to select based on the unique needs of their workforce and their budget.”
“Customized cycle-based coverage for assistive reproductive technologies such as intra-uterine insemination (IUI), in vitro fertilization (IVF), and embryo and oocyte transfers, with the option of unlimited cycles.”
“Access to Progyny’s network of over 650 premier fertility clinics across the U.S.”
“Prescription fertility medication coverage supported by Evernorth’s Freedom Fertility Pharmacy.”
Fertility drugs
Fertility drugs can fall under the medical or the pharmacy benefit, and Cigna's drug policy says injectable fertility drugs are specifically excluded under most plans. Antagonists such as Cetrotide and ganirelix need prior authorization; Gonal-f, Follistim and clomiphene are covered only when the plan includes infertility coverage, with clomiphene preferred first, then Gonal-f, and Follistim non-preferred.
“Coverage for infertility related medications may be available under the medical or pharmacy benefit. Refer to the customer’s benefit plan document for coverage details.”
“Injectable fertility medications are specifically excluded under most benefit plans. Please refer to the applicable benefit plan document to determine benefit availability and the terms and conditions of coverage.”
“Prior Authorization is required for benefit coverage of Gonadotropin-Releasing Hormone Antagonists.”
“Utilization of the follitropin products and clomiphene is not managed by Prior Authorization criteria, but is based on whether the patient’s benefit includes infertility coverage.”
“Preferred Products Step 1: Clomid, Clomiphene citrate, Milophene Step 2: Gonal-f, Gonal-f RFF, Gonal-f RFF Redi-ject Non-Preferred Products Step 3: Follistim AQ”
Genetic testing of embryos
The lab guidelines Cigna uses (effective October 1, 2026) cover testing embryos for a specific inherited condition (PGT-M) when a couple is known to be at risk, but say chromosome screening (PGT-A) is not medically necessary for age alone, to improve IVF success, or after repeated miscarriage or failed implantation.
“PGT-M Medically Necessary Indications • The couple is known to be at-risk to have a child with a genetic condition because of ANY of the following: ◦ Both parents are known carriers of a recessive genetic condition and the specific gene mutation has been identified in each parent”
“PGT-A for de novo chromosome abnormalities is not medically necessary. This includes the following indications: ◦ Maternal age alone ◦ To improve in vitro success rates ◦ For recurrent unexplained miscarriage and/or recurrent implantation failures”
Fertility preservation before cancer treatment
From October 15, 2026, freezing eggs, sperm or embryos before chemotherapy, pelvic radiation, other treatment that harms fertility, or removal of reproductive organs is medically necessary when the plan has a cryopreservation benefit. Fertility preservation needs that benefit unless a state law requires it.
“Cryopreservation, storage and thawing of the following is considered medically necessary if benefit coverage for cryopreservation and/or related services are available and there is no state mandate requiring coverage of more extensive fertility preservation services”
“Revised policy statement regarding cryopreservation, storage and thawing to include mature gametes (oocytes or sperm) or embryos for individuals facing anticipated infertility due to chemotherapy, pelvic radiotherapy, other gonadotoxic therapies, or surgical removal of reproductive organs for treatment of disease.”
Elective egg freezing
Freezing eggs, sperm or embryos against age-related decline in an otherwise healthy person is not medically necessary under the revised policy, though an employer's Progyny benefit can include egg and sperm freezing.
“The following cryopreservation services are considered not medically necessary: • mature gametes (oocytes or sperm) or embryos for fertility preservation associated with age-related reproductive decline in otherwise healthy individuals”
“Egg and sperm freezing and storage.”
Add-ons it will not pay for
From October 15, 2026, assisted embryo hatching joins acupuncture and other add-ons on the list of services Cigna considers not medically necessary.
“Each of the following services or tests are considered not medically necessary for evaluating or treating infertility: • acupuncture • assisted embryo hatching”
Common exclusions
Even with an infertility benefit, Cigna does not cover reversing a voluntary sterilization or infertility caused by one, donor fees and services for donor sperm or eggs, or services to a surrogate and surrogate fees.
“Many benefit plans exclude the following services even when benefits are available for infertility treatment. In addition, all of these services are not covered or reimbursable: • services associated with the reversal of voluntary sterilization • infertility services when the infertility is caused by or related to voluntary sterilization • donor charges, fees and services, including services associated with donor sperm and donor oocytes • infertility services rendered to a surrogate and surrogate fees”
Cigna individual and family plans, by state
Plans you buy yourself, on the marketplace or straight from Cigna. What each state's 2026 exclusion list says, in Cigna's own words. Illinois's 2026 list excludes no infertility care, so it is not listed.
Arizona
IVF excludedExcludes all infertility treatment, IVF and fertility drugs included, except as the plan's own policy states, and excludes freezing eggs or sperm.
“All services related to the treatment of fertility and/or Infertility, including, but not limited to, all tests, consultations, examinations, medications, invasive, medical, laboratory or surgical procedures including sterilization reversals and in vitro fertilization”
“Cryopreservation of sperm or eggs, or storage of sperm”
Colorado
IVF excludedExcludes IVF, GIFT and ZIFT, donor eggs and sperm, and sterilization reversals, except as the plan's own policy states, and excludes freezing eggs or sperm.
“The following services related to the treatment of fertility and/or Infertility, sterilization reversals; donor semen and donor eggs; ovum transplants; in vitro fertilization, gamete intrafallopian transfer (GIFT), zygote intrafallopian transfer (ZIFT), except as specifically stated in this Policy.”
“Cryopreservation of sperm or eggs, or storage of sperm”
Florida
IVF excludedExcludes all infertility treatment, IVF and fertility drugs included, except as the plan's own policy states, and excludes freezing eggs or sperm. The same wording appears in Cigna's Florida HMO list.
“All services related to the treatment of fertility and/or Infertility, including, but not limited to, all tests, consultations, examinations, medications, invasive, medical, laboratory or surgical procedures including sterilization reversals and in vitro fertilization”
“Cryopreservation of sperm or eggs, or storage of sperm”
Georgia
IVF excludedExcludes artificial insemination, IVF and every other artificial means of conception, and infertility drugs except those the Affordable Care Act requires.
“Surgical services related to treatment of fertility and/or Infertility and any artificial means of conception, including, but not limited to, surgical procedures, artificial insemination, in vitro fertilization (IVF)”
“Infertility related drugs, except those required by the Patient Protection and Affordable Care Act (PPACA)”
Indiana
IVF excludedExcludes all infertility treatment, IVF and fertility drugs included, except as the plan's own policy states, and excludes freezing eggs or sperm. Its pharmacy benefit excludes infertility drugs except those the Affordable Care Act requires.
“All services related to the treatment of fertility and/or Infertility, including, but not limited to, all tests, consultations, examinations, medications, invasive, medical, laboratory or surgical procedures including sterilization reversals and in vitro fertilization”
“Cryopreservation of sperm or eggs, or storage of sperm”
“Infertility related drugs, except those required by the Patient Protection and Affordable Care Act (PPACA)”
Mississippi
IVF excludedExcludes all infertility treatment, IVF and fertility drugs included, with no exception clause, and excludes freezing eggs or sperm and infertility drugs except those the Affordable Care Act requires.
“All services related to the treatment of fertility and/or Infertility, including, but not limited to, all tests, consultations, examinations, medications, invasive, medical, laboratory or surgical procedures including sterilization reversals and in vitro fertilization”
“Cryopreservation of sperm or eggs, or storage of sperm”
“Infertility related drugs, except those required by the Patient Protection and Affordable Care Act (PPACA)”
North Carolina
IVF excludedExcludes all services related to IVF, GIFT and ZIFT, except as the plan's own policy states, and excludes freezing eggs or sperm.
“All services related to In-vitro fertilization, gamete intrafallopian transfer (GIFT), zygote intrafallopian transfer (ZIFT)”
“Cryopreservation of sperm or eggs, or storage of sperm”
Tennessee
IVF excludedExcludes all infertility treatment, IVF and fertility drugs included, except as the plan's own policy states, and excludes freezing eggs or sperm.
“All services related to the treatment of fertility and/or Infertility, including, but not limited to, all tests, consultations, examinations, medications, invasive, medical, laboratory or surgical procedures including sterilization reversals and in vitro fertilization”
“Cryopreservation of sperm or eggs, or storage of sperm”
Texas
IVF excludedExcludes all infertility treatment, IVF and fertility drugs included, except as the plan's own policy states, and excludes freezing eggs or sperm.
“All services related to the treatment of fertility and/or Infertility, including, but not limited to, all tests, consultations, examinations, medications, invasive, medical, laboratory or surgical procedures including sterilization reversals and in vitro fertilization”
“Cryopreservation of sperm or eggs, or storage of sperm”
Virginia
IVF excludedExcludes all infertility treatment, IVF included, except as the plan's own infertility section states, and excludes freezing eggs or sperm.
“All services related to the treatment of fertility and/or Infertility, including, but not limited to, all tests, consultations, examinations, medications, invasive, medical, laboratory or surgical procedures including reversals of elective sterilization and in vitro fertilization”
“Cryopreservation of sperm or eggs, or storage of sperm”
Whether your Cigna plan covers IVF
Cigna's 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 Cigna 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 Cigna cover IVF in your state?
Each state's insurance law applied to a Cigna plan issued there. A state law reaches plans issued in that state, usually your employer's state, not where the clinic is.
Cigna in Arkansas
Often, on fully-insured plans: Arkansas requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Arkansas unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (lifetime maximum applies). A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Arkansas law and clinics
Cigna in California
Often, on fully-insured plans: California requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in California unless one of the law's limits or exemptions applies. New for 2026: SB 729 requires large-group fully-insured plans to cover IVF. A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. California law and clinics
Cigna in Colorado
Often, on fully-insured plans: Colorado requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Colorado unless one of the law's limits or exemptions applies. Fully-insured large-group plans must cover fertility, including IVF. A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Colorado law and clinics
Cigna in Connecticut
Often, on fully-insured plans: Connecticut requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Connecticut unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (cycle limits apply). A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Connecticut law and clinics
Cigna in Delaware
Often, on fully-insured plans: Delaware requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Delaware unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF. A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Delaware law and clinics
Cigna in District of Columbia
Often, on fully-insured plans: District of Columbia requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in District of Columbia unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF. A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. District of Columbia law and clinics
Cigna in Hawaii
Often, on fully-insured plans: Hawaii requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Hawaii unless one of the law's limits or exemptions applies. Fully-insured plans must cover a round of IVF under set conditions. A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Hawaii law and clinics
Cigna in Illinois
Often, on fully-insured plans: Illinois requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Illinois unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (cycle limits apply). A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Illinois law and clinics
Cigna in Maine
Often, on fully-insured plans: Maine requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Maine unless one of the law's limits or exemptions applies. Fully-insured plans must cover fertility care, including IVF. A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Maine law and clinics
Cigna in Maryland
Often, on fully-insured plans: Maryland requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Maryland unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (conditions apply). A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Maryland law and clinics
Cigna in Massachusetts
Often, on fully-insured plans: Massachusetts requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Massachusetts unless one of the law's limits or exemptions applies. One of the broadest IVF mandates; fully-insured plans must cover it. A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Massachusetts law and clinics
Cigna in New Hampshire
Often, on fully-insured plans: New Hampshire requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in New Hampshire unless one of the law's limits or exemptions applies. Fully-insured plans must cover fertility care, including IVF. A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. New Hampshire law and clinics
Cigna in New Jersey
Often, on fully-insured plans: New Jersey requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in New Jersey unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (cycle limits apply). A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. New Jersey law and clinics
Cigna in New York
Often, on fully-insured plans: New York requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in New York unless one of the law's limits or exemptions applies. Large-group fully-insured plans must cover IVF (up to 3 cycles). A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. New York law and clinics
Cigna in Rhode Island
Often, on fully-insured plans: Rhode Island requires some fully-insured health plans to cover IVF, and that includes Cigna plans issued in Rhode Island unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (lifetime cap applies). A self-funded employer plan that Cigna only administers is not bound by state law and covers IVF only if the employer chose to. Rhode Island law and clinics
Cigna in Texas
Only if your employer bought it: Texas requires insurers to offer IVF coverage to employers, but a plan does not have to include it, so a Cigna plan issued in Texas covers IVF only when the employer chose the benefit. Texas law and clinics
Cigna in Louisiana
Not because of state law: Louisiana requires some infertility coverage but not IVF, so IVF under a Cigna plan there depends on what the employer chose. Louisiana law and clinics
Cigna in Montana
Not because of state law: Montana requires some infertility coverage but not IVF, so IVF under a Cigna plan there depends on what the employer chose. Montana law and clinics
Cigna in Ohio
Not because of state law: Ohio requires some infertility coverage but not IVF, so IVF under a Cigna plan there depends on what the employer chose. Ohio law and clinics
Cigna in West Virginia
Not because of state law: West Virginia requires some infertility coverage but not IVF, so IVF under a Cigna plan there depends on what the employer chose. West Virginia law and clinics
Cigna in Georgia
Not because of state law: Georgia does not require insurers to cover IVF, only fertility preservation for some patients, so IVF under a Cigna plan there depends on what the employer chose. Georgia law and clinics
Cigna in Kentucky
Not because of state law: Kentucky does not require insurers to cover IVF, only fertility preservation for some patients, so IVF under a Cigna plan there depends on what the employer chose. Kentucky law and clinics
Cigna in Nevada
Not because of state law: Nevada does not require insurers to cover IVF, only fertility preservation for some patients, so IVF under a Cigna plan there depends on what the employer chose. Nevada law and clinics
Cigna in Oklahoma
Not because of state law: Oklahoma does not require insurers to cover IVF, only fertility preservation for some patients, so IVF under a Cigna plan there depends on what the employer chose. Oklahoma law and clinics
Cigna in Florida
Not because of state law: Florida has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Florida law and clinics
Cigna in Utah
Not because of state law: Utah has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Utah law and clinics
Cigna in Alabama
Not because of state law: Alabama has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Alabama law and clinics
Cigna in Alaska
Not because of state law: Alaska has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Alaska law and clinics
Cigna in Arizona
Not because of state law: Arizona has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Arizona law and clinics
Cigna in Idaho
Not because of state law: Idaho has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Idaho law and clinics
Cigna in Indiana
Not because of state law: Indiana has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Indiana law and clinics
Cigna in Iowa
Not because of state law: Iowa has no law requiring private plans to cover IVF, so IVF under a Cigna 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
Cigna in Kansas
Not because of state law: Kansas has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Kansas law and clinics
Cigna in Michigan
Not because of state law: Michigan has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Michigan law and clinics
Cigna in Minnesota
Not because of state law: Minnesota has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Minnesota law and clinics
Cigna in Mississippi
Not because of state law: Mississippi has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Mississippi law and clinics
Cigna in Missouri
Not because of state law: Missouri has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Missouri law and clinics
Cigna in Nebraska
Not because of state law: Nebraska has no law requiring private plans to cover IVF, so IVF under a Cigna 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
Cigna in New Mexico
Not because of state law: New Mexico has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). New Mexico law and clinics
Cigna in North Carolina
Not because of state law: North Carolina has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). North Carolina law and clinics
Cigna in North Dakota
Not because of state law: North Dakota has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). North Dakota law and clinics
Cigna in Oregon
Not because of state law: Oregon has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Oregon law and clinics
Cigna in Pennsylvania
Not because of state law: Pennsylvania has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Pennsylvania law and clinics
Cigna in South Carolina
Not because of state law: South Carolina has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). South Carolina law and clinics
Cigna in South Dakota
Not because of state law: South Dakota has no law requiring private plans to cover IVF, so IVF under a Cigna 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
Cigna in Tennessee
Not because of state law: Tennessee has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Tennessee law and clinics
Cigna in Vermont
Not because of state law: Vermont has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Vermont law and clinics
Cigna in Virginia
Not because of state law: Virginia has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Virginia law and clinics
Cigna in Washington
Not because of state law: Washington has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Washington law and clinics
Cigna in Wisconsin
Not because of state law: Wisconsin has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Wisconsin law and clinics
Cigna in Wyoming
Not because of state law: Wyoming has no law requiring private plans to cover IVF, so IVF under a Cigna plan there depends entirely on what the employer chose (or, for a plan you buy yourself, on the plan's own terms). Wyoming law and clinics
State laws as summarized by RESOLVE Insurance Coverage by State, read Oct 1, 2026.
How to see what your Cigna plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Log in to your myCigna account and check your coverage. If your employer offers the Progyny program, you reach it from Coverages.
- 2Read your own plan document (the group service agreement, evidence or certificate of coverage, or summary plan description): Cigna says it can differ significantly from its standard policy and always prevails.
- 3Call Cigna Customer Service at 1 (800) 882-4462, the number Cigna gives for fertility benefit questions, and ask whether your plan has an infertility treatment benefit and a cryopreservation benefit.
- 4Ask whether your fertility drugs are covered under the medical or the pharmacy benefit, and which pharmacy fills them.
- 5If you buy your own plan, read your state's exclusion list before you enroll: the 2026 lists above exclude IVF.
- 6At work, ask HR whether your plan is fully insured or self-funded: that decides whether your state's law applies (see your state below).
Cigna and IVF: common questions
Does Cigna cover IVF?
Only if your plan includes it. Cigna's infertility policy, in a revised version effective October 15, 2026, says coverage varies across plans and IVF is considered only when a plan has an infertility treatment benefit; IVF without an infertility diagnosis is not considered medically necessary. Employers choose among Cigna's fertility options, including one run with Progyny.
Does Cigna cover IVF in Texas?
Not on a Cigna individual or family plan: its 2026 Texas exclusion list excludes all infertility treatment, IVF and fertility drugs included, except as the plan's own policy states. On an employer plan it depends on whether the employer bought fertility coverage, because Texas law only requires insurers to offer IVF coverage to employers.
Does Cigna cover IVF in Florida?
Not on a Cigna individual or family plan: its 2026 Florida EPO and HMO exclusion lists exclude all infertility treatment, IVF included. On an employer plan it depends on what the employer chose; Florida has no law requiring private plans to cover IVF.
Does Cigna cover IVF medications?
Only where your plan covers them. Cigna's drug policy says injectable fertility drugs are specifically excluded under most plans; Gonal-f, Follistim and clomiphene are covered only when the plan includes infertility coverage, and antagonists such as Cetrotide and ganirelix need prior authorization.
Does Cigna cover egg freezing?
For medical reasons, from October 15, 2026: freezing eggs, sperm or embryos before chemotherapy, pelvic radiation or similar treatment is medically necessary when the plan has a cryopreservation benefit. Freezing against age-related decline in a healthy person is not, though an employer's Progyny benefit can include it.
Does Cigna work with Progyny?
Yes. Since January 2025 Cigna has offered employers a fertility benefit run with Progyny, available to most of its self-funded employer clients from fall 2025, with Progyny's network of more than 650 clinics and cycle-based coverage the employer sets. Members reach it from Coverages in myCigna.
- Medical Coverage Policy 0089: Infertility Services (revised version) (Cigna Healthcare, Effective Date 10/15/2026; Next Review Date 6/15/2027)
- Cigna Healthcare Expands Access to Fertility and Family-Building Benefits and Services (press release) (Cigna Healthcare, January 13, 2025)
- Drug Coverage Policy IP0333: Infertility, Gonadotropin-Releasing Hormone Antagonists (Cigna Healthcare, Effective Date 7/15/2026)
- Infertility: Follitropins, Clomiphene Preferred Specialty Management Policy (Cigna National Formulary) (Cigna Healthcare, Review date 09/24/2025; selected revision 12/3/2025)
- Cigna Lab Management Guidelines V2.2.2026 (EviCore by Evernorth): Preimplantation Genetic Testing MOL.CU.119.A (EviCore by Evernorth, for Cigna Healthcare, Effective Date: October 1, 2026)
- Cigna Healthcare individual and family plan exclusions and limitations (AZ, 2026) (Cigna Healthcare, printed 01-2026)
- Cigna Healthcare individual and family plan exclusions and limitations (CO, 2026) (Cigna Healthcare, plan year 2026 per file name (m-26); document footer © 2025)
- Cigna Healthcare individual and family plan exclusions and limitations (FL, 2026) (Cigna Healthcare, printed 1-2026)
- Cigna Healthcare individual and family plan exclusions and limitations (GA, 2026) (Cigna Healthcare, plan year 2026 per file name (m-26); no date printed)
- Cigna Healthcare individual and family plan exclusions and limitations (IN, 2026) (Cigna Healthcare, plan year 2026 per file name (m-26); no date printed)
- Cigna Healthcare individual and family plan exclusions and limitations (MS, 2026) (Cigna Healthcare, plan year 2026 per file name (m-26); no date printed)
- Cigna Healthcare individual and family plan exclusions and limitations (NC, 2026) (Cigna Healthcare, plan year 2026 per file name (m-26); document footer © 2025)
- Cigna Healthcare individual and family plan exclusions and limitations (TN, 2026) (Cigna Healthcare, plan year 2026 per file name (m-26); no date printed)
- Cigna Healthcare individual and family plan exclusions and limitations (TX, 2026) (Cigna Healthcare, printed 01-2026)
- Cigna Healthcare individual and family plan exclusions and limitations (VA, 2026) (Cigna Healthcare, printed Cigna 1/2026)