Does Meritain Health cover IVF?
What Meritain Health (an Aetna company that administers self-funded employer plans) 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
Only if your employer's plan includes it. Meritain Health is a third-party administrator: it runs self-funded plans that each employer customizes, with only the benefits that employer chooses, and each group's Summary Plan Description sets out its rules. Meritain publishes no fertility page or policy of its own, so whether IVF is covered, and with what limits, is in your employer's plan document.
What Meritain Health says
Read on Oct 25, 2026. The words in quotation marks are the source's own.
Only if your employer's plan includes it
“We’re leading the way as one of the nation’s largest TPAs”
“Your fully customized Meritain Health plan includes all the benefits you need-and none you don’t.”
Each employer's plan is its own
Meritain offers employers self-funded models they combine with plan components and outside vendors into a customized plan, and each employer group has its own Summary Plan Description.
“From classic self-funded models to innovative new approaches, we offer a range of adaptable solutions.”
“You can flexibly combine our innovative plan components and industry-leading vendors into a customized plan.”
“Please note, the claims appeal procedure is explained at length within each group’s Summary Plan Description (SPD).”
Providers
Meritain plans use providers in the Aetna network, alongside local, national and virtual options.
“With local, national and virtual options, along with providers in the Aetna® network, you’re never far from high-quality care.”
Where to look
Members can log in to see their benefits and claims, or call the number on the back of their ID card.
“Log in anytime to explore your benefits. View your dashboard, check on claims, access your digital ID card, explore your benefits and find in-network care.”
“Contact us by calling the number listed on the back of your ID card. You may also dial 1.888.324.5789 or email service@meritain.com.”
How to see what your Meritain Health plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Read your plan's Summary Plan Description for infertility, IVF and fertility drug coverage: each employer group has its own.
- 2Log in to the Meritain member portal to see your plan's benefits.
- 3Call the number on the back of your ID card (or 1.888.324.5789) and ask whether IVF is covered and what limits apply.
- 4Ask HR whether your employer added a separate fertility benefit or vendor to the plan.
Meritain Health and IVF: common questions
Does Meritain Health cover IVF?
Only if your employer's plan includes it. Meritain administers self-funded plans that each employer customizes, and each group's Summary Plan Description sets out what is covered.
Does a state IVF law apply to a Meritain plan?
Meritain runs self-funded employer plans. State insurance laws reach fully-insured plans, so a self-funded plan covers IVF only if the employer chose to include it.
How do I check my Meritain fertility coverage?
Read your plan's Summary Plan Description, log in to the Meritain member portal, or call the number on the back of your ID card.
- About us (meritain.com) (Meritain Health, Page current Oct 2026)
- For plan sponsors (meritain.com) (Meritain Health, Page current Oct 2026)
- Meritain Health home page (Meritain Health, Page current Oct 2026)
- For members (meritain.com) (Meritain Health, Page current Oct 2026)