Does HealthPartners cover IVF?
What HealthPartners (Minnesota, Wisconsin and nearby states) 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
Not on its individual and small employer plans. HealthPartners' 2026 benefit charts for those plans in Minnesota, Wisconsin and South Dakota cover only office visits and consultations to diagnose infertility and say treatment is not covered, listing infertility treatment and procedures, fertility drugs, and egg, sperm or embryo retrieval and storage among what they exclude. Large employer plans have no public chart and can differ: your own plan's documents decide.
What HealthPartners' documents say
Read on Oct 25, 2026. The words in quotation marks are the source's own.
Not on its individual and small employer plans
“Coverage is limited to office visits and consultations to diagnose infertility. Treatment is not covered.”
Diagnosis is covered
Diagnostic procedures and tests for an infertility evaluation, office visits and consultations, and drugs needed for the diagnosis.
“We cover the diagnosis of infertility. These services include diagnostic procedures and tests provided in connection with an infertility evaluation, office visits and consultations to diagnose infertility.”
“Drugs necessary for the diagnosis of infertility are covered as Outpatient Drugs under the "Prescription Drugs" section.”
What is excluded
Infertility and fertility treatment and procedures with their office visits, lab work, imaging and fertility drugs; reversing a sterilization; obtaining, retrieving or storing sperm, eggs or embryos; and surrogacy.
“Infertility/fertility treatment and procedures, including but not limited to, office visits, laboratory services, diagnostic imaging services and fertility Drugs”
“Reversal of sterilization • Sperm, ova or embryo acquisition, retrieval or storage • Surrogacy/gestational carrier compensation, services and fees”
Where your plan was bought decides
HealthPartners sells plans bought in Iowa, Minnesota, North Dakota, South Dakota and Wisconsin, and which coverage criteria apply depends on the state you or your employer bought the plan in.
“Iowa – medical plans bought in Iowa Minnesota – medical plans bought in Minnesota North Dakota – medical plans bought in North Dakota South Dakota – medical plans bought in South Dakota Wisconsin – medical plans bought in Wisconsin”
“Which coverage criteria apply to your plan depends on which state you or your employer bought your plan in (which might not necessarily be the state you live in).”
Whether your HealthPartners plan covers IVF
The HealthPartners 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 HealthPartners 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 HealthPartners cover IVF in your state?
Each state's insurance law applied to a HealthPartners plan issued there. A state law reaches plans issued in that state, usually your employer's state, not where the clinic is.
HealthPartners in Iowa
Not because of state law: Iowa has no law requiring private plans to cover IVF, so IVF under a HealthPartners 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
HealthPartners in Minnesota
Not because of state law: Minnesota has no law requiring private plans to cover IVF, so IVF under a HealthPartners 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
HealthPartners in North Dakota
Not because of state law: North Dakota has no law requiring private plans to cover IVF, so IVF under a HealthPartners 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
HealthPartners in South Dakota
Not because of state law: South Dakota has no law requiring private plans to cover IVF, so IVF under a HealthPartners 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
HealthPartners in Wisconsin
Not because of state law: Wisconsin has no law requiring private plans to cover IVF, so IVF under a HealthPartners 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
State laws as summarized by RESOLVE Insurance Coverage by State, read Oct 1, 2026.
How to see what your HealthPartners plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Sign in to your HealthPartners online account to see covered and not-covered services for your plan, as HealthPartners suggests.
- 2Read your plan documents for infertility: the individual and small employer charts cover diagnosis only.
- 3On a large employer plan, ask HR whether it includes infertility treatment or a fertility benefit.
HealthPartners and IVF: common questions
Does HealthPartners cover IVF?
Not on its 2026 individual and small employer plans, which cover only office visits and consultations to diagnose infertility and say treatment is not covered. Large employer plans can differ.
Does HealthPartners cover infertility testing?
Yes: diagnostic procedures and tests for an infertility evaluation, office visits, consultations and the drugs needed for the diagnosis.
Does HealthPartners cover egg freezing?
Not on the individual and small employer plans: obtaining, retrieving or storing sperm, eggs or embryos is excluded.
- HealthPartners Individual Gold Plan Benefits Chart, Minnesota (BCH-103.12-MN-IND, IE173-26) (HealthPartners, Plan year 2026)
- HealthPartners Coverage criteria policies (HealthPartners)