Does ConnectiCare cover IVF?
What ConnectiCare (a Molina Healthcare company in Connecticut) publishes about covering IVF and other fertility treatment, in its own words, with the document each statement is in.
- Documents read · checked 22 h ago
On the 2026 individual plan we read, within limits. ConnectiCare's 2026 individual contract covers medically necessary infertility diagnosis and treatment: up to four cycles of ovulation induction, three IUI cycles and two IVF cycles (IVF, GIFT and ZIFT combined), with no more than two embryos per transfer, after less expensive treatments have not worked. Fertility drugs are covered under the pharmacy benefit and treatment needs prior authorization. ConnectiCare is now part of Molina Healthcare.
What ConnectiCare's contract says
Read on Oct 25, 2026. The words in quotation marks are the source's own.
Up to 2 IVF cycles on the 2026 individual plan we read
“ConnectiCare covers Medically Necessary diagnostic and testing procedures, and therapy needed to treat diagnosed infertility are covered at the applicable Cost Sharing amounts, up to the limits described below.”
“Uterine embryo lavage, in-vitro fertilization (IVF), gamete intra-fallopian transfer (GIFT), zygote intra-fallopian transfer (ZIFT) or low tubal ovum transfer (to a maximum of two cycles combined for all procedures, with no more than two embryo implantations per cycle).”
“Policy Form: CCI IND 01 (1/2026) Product Option Form: CCI IND POS HDHP HSA 01 (1/2026)”
Cycle limits
Ovulation induction up to four cycles; IUI up to three cycles per recipient, whatever the sperm source; IVF, GIFT, ZIFT and similar procedures up to two cycles combined, with no more than two embryos implanted per cycle.
“Ovulation induction (to a maximum of four cycles).”
“Intrauterine insemination (to a maximum of three cycles per recipient, regardless of source).”
“Uterine embryo lavage, in-vitro fertilization (IVF), gamete intra-fallopian transfer (GIFT), zygote intra-fallopian transfer (ZIFT) or low tubal ovum transfer (to a maximum of two cycles combined for all procedures, with no more than two embryo implantations per cycle).”
Less expensive treatment first
IVF cycles are covered once less expensive appropriate treatments have not worked, unless your board-certified reproductive endocrinologist certifies a treatment is unlikely to succeed.
“These cycles are only covered when the Member has been unable to conceive or produce conception or sustain a successful pregnancy through the less expensive and medically appropriate treatments covered by this Plan.”
“A particular Infertility treatment or procedure need not be tried first if the Member's treating Board Eligible or Board-Certified Reproductive Endocrinologist certifies that such treatment or procedure is unlikely to be successful.”
Who qualifies
Not conceiving or sustaining a pregnancy for a year, or when treatment is medically necessary. ConnectiCare says it does not discriminate in infertility coverage on gender identity or expression, sexual orientation or age.
“Infertility: The condition of an individual who is unable to conceive or produce conception or sustain a successful pregnancy during a period of one year, or such treatment is Medically Necessary.”
“ConnectiCare does not discriminate on the coverage of Infertility services or diagnosis on the basis of gender identity or expression, sexual orientation, or age.”
Fertility drugs and PGT
Prescription drugs to treat infertility are covered under the pharmacy benefit. Embryo genetic testing is covered as part of a covered IVF cycle when the embryos are at risk of a known genetic mutation.
“Prescription drugs (medications) to treat Infertility. These drugs or medications are only available for the gender indicated by the federal Food and Drug Administration (FDA) and are covered as described in the Pharmacy Benefits subsection of the Covered Services section.”
“Pre-implantation genetic testing is covered when Medically Necessary and as part of a covered IVF, GIFT, ZIFT or low tubal ovum transfer procedure, if embryos are at risk for known genetic mutations.”
Where you are treated, and prior authorization
Some infertility services must be done by a board-certified or board-eligible reproductive endocrinologist at a facility meeting ASRM or SREI standards, and infertility services are on the plan's prior authorization list.
“For certain Infertility services, a Member must be treated by a board eligible or board- certified reproductive endocrinologist at a facility that meets the standards and rules of the American Society of Reproductive Medicine or the Society of Reproductive Endocrinology and Infertility.”
“Hospice care Infertility Services Intensive Outpatient Programs (IOP)”
Not covered under the infertility benefit
Freezing eggs or sperm and banking eggs, embryos or sperm; surrogacy; recruiting or screening donors or gestational carriers; reversing a sterilization or infertility care after one.
“Cryopreservation (freezing) of eggs or sperm.”
“Banking of eggs, embryos, or sperm.”
“Surrogacy and all charges associated with surrogacy arrangements such as prescription drugs, fertilization, or implantation, except if provided to a Member.”
“Recruitment, selection and screening of donors or gestational carriers.”
“All Infertility services following voluntary sterilization where no successful reversal has been made.”
Now part of Molina
ConnectiCare says it is a wholly owned subsidiary of Molina Healthcare, and that its policies are specific to Connecticut.
“ConnectiCare is a wholly owned subsidiary of Molina Healthcare, Inc. You may see references to Molina on this site and in other communications.”
“The policies below are specific to the state of Connecticut.”
Whether your ConnectiCare plan covers IVF
The ConnectiCare 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 ConnectiCare 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 ConnectiCare cover IVF in Connecticut?
Connecticut's insurance law applied to a ConnectiCare plan issued there. A state law reaches plans issued in that state, usually your employer's state, not where the clinic is.
ConnectiCare in Connecticut
Often, on fully-insured plans: Connecticut requires some fully-insured health plans to cover IVF, and that includes ConnectiCare plans issued in Connecticut unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (cycle limits apply). Connecticut law and clinics
State laws as summarized by RESOLVE Insurance Coverage by State, read Oct 1, 2026.
How to see what your ConnectiCare plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Read your plan's Infertility section under Covered Services for the cycle limits: the figures above are from the 2026 individual HSA plan contract.
- 2Get prior authorization before infertility treatment: it is on the plan's prior authorization list.
- 3Call ConnectiCare Member Services at (860) 674-5757 or 1-800-251-7722 to confirm your own plan's limits.
ConnectiCare and IVF: common questions
Does ConnectiCare cover IVF?
On its 2026 individual contract, yes: up to two IVF cycles (IVF, GIFT and ZIFT combined), with no more than two embryos per transfer, once less expensive treatments have not worked. Prior authorization is required.
Does ConnectiCare cover IUI?
Yes, up to three IUI cycles per recipient on its 2026 individual contract, whatever the sperm source, and up to four cycles of ovulation induction.
Does ConnectiCare cover egg freezing?
Under the infertility benefit, freezing eggs or sperm and banking eggs, embryos or sperm are listed as not covered.
- 2026 ConnectiCare, Inc. POS High Deductible Health Plan (HDHP) for use with a Health Savings Account (HSA), SOLO Agreement (individual policy form CCI IND 01) (ConnectiCare, Plan year 2026 (Policy Form CCI IND 01 (1/2026)))
- ConnectiCare Medical Coverage Criteria (providers) (ConnectiCare)