Does Moda Health cover IVF?
What Moda Health (Oregon and Alaska) publishes about covering IVF and other fertility treatment, in its own words, with the document each statement is in.
- Documents read · checked 21 h ago
Not on its standard plans. Moda's 2026 Alaska large group handbook excludes all services for diagnosing and treating infertility, its 2026 Alaska individual and small group summaries and a 2025 Oregon small group summary list infertility treatment as not covered, and its plan for Oregon school employees excludes IVF while covering IUI. Oregon's state employee (PEBB) Moda plans list IVF as covered, with fertility benefits through Progyny from 2027. Your own plan document decides.
What Moda's documents say
Read on Oct 26, 2026. The words in quotation marks are the source's own.
Not on its standard plans; some public employer plans cover IVF
“General Exclusions”
“All services and supplies for office visits, diagnosis and treatment of infertility, as well as the cause of infertility. Includes surgery to reverse elective sterilization (vasectomy or tubal ligation)”
“Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)”
Standard plans
The 2026 Alaska individual and small group summaries list infertility treatment under services the plan generally does not cover, and a 2025 Oregon small group summary excludes services or supplies to treat infertility.
“Infertility (services or supplies to treat infertility, including reversal of sterilization)”
Moda plans we read
Moda's standard plans and two Oregon public employer plans it runs, which answer differently.
Alaska large group PPO (2026)
Infertility excludedAll services and supplies for diagnosing and treating infertility, and its cause, are a general exclusion.
“All services and supplies for office visits, diagnosis and treatment of infertility, as well as the cause of infertility. Includes surgery to reverse elective sterilization (vasectomy or tubal ligation)”
Oregon school employees, OEBB (2025-26)
IUI yes, IVF noCovers diagnosing and treating infertility, ovulation induction, intrauterine insemination and freezing eggs or sperm before cancer treatment, with lifetime dollar maximums; IVF and other advanced reproductive services are not covered.
“Infertility services are covered: a. Diagnosis and treatment b. Ovulation induction c. Intrauterine insemination d. Fertility preservation (removal and preservation of eggs or sperm) if you are diagnosed with cancer”
“These infertility services are not covered:”
“b. in-vitro fertilization and other advanced reproductive services”
“Lifetime dollar maximums apply for related pharmacy benefits and for ovulation induction, intrauterine insemination and fertility preservation services.”
Oregon state employees, PEBB
IVF coveredThe state's 2025 comparison lists IVF as covered on PEBB's Moda plans, with a $25,000 medical fertility maximum a year and no infertility diagnosis required; for 2027, PEBB's Moda plans list fertility and family-building services through Progyny.
“In Vitro Fertilization (IVF) Yes Yes Yes”
“$25,000 Medical fertility maximum per enrolled individual per year”
“No infertility diagnosis required.”
“Fertility and family-building services through Progyny: benefits.mypgny.com/members/pebb.”
Whether your Moda Health plan covers IVF
The Moda Health 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 Moda Health 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 Moda Health cover IVF in your state?
Each state's insurance law applied to a Moda Health plan issued there. A state law reaches plans issued in that state, usually your employer's state, not where the clinic is.
Moda Health in Alaska
Not because of state law: Alaska has no law requiring private plans to cover IVF, so IVF under a Moda Health 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
Moda Health in Oregon
Not because of state law: Oregon has no law requiring private plans to cover IVF, so IVF under a Moda Health 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
State laws as summarized by RESOLVE Insurance Coverage by State, read Oct 1, 2026.
How to see what your Moda Health plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Read your Moda member handbook or policy for infertility exclusions: the standard plans exclude treatment.
- 2If you are an Oregon public employee, check your board's benefits: PEBB plans cover IVF, the OEBB Moda plan does not.
- 3Ask your employer whether it added a fertility benefit to its Moda plan.
Moda Health and IVF: common questions
Does Moda Health cover IVF?
Not on its standard plans: its 2026 Alaska large group handbook excludes infertility diagnosis and treatment, and its standard Oregon and Alaska summaries list infertility treatment as not covered. Oregon's state employee (PEBB) Moda plans list IVF as covered.
Does the Oregon educators' Moda plan cover IVF?
No. The 2025-26 OEBB Moda handbook covers infertility diagnosis, ovulation induction and IUI, but not IVF or other advanced reproductive services.
Does Oregon require insurance to cover IVF?
No Oregon law requires private plans to cover IVF, so a Moda plan covers it only if the plan includes it.
- 2026 Alaska Group Medical Plan, Moda Select PPO (sample handbook, Moda Health Plan, Inc.) (Moda Health, Effective Date: January 1, 2026)
- Summary of Benefits and Coverage: Moda Select Alaska Silver 4500 (individual) (Moda Health, Coverage Period: 01/01/2026 12/31/2026)
- 2025 Medical plan benefit summary: Moda Health Oregon Standard Gold (small group) (Moda Health, 2025 plan year)
- 2025 Oregon Group Medical Plan, OEBB High Deductible Health Plan 6 (Moda Health Plan, Inc.) (Moda Health, October 1, 2025 (plan year 2025-26))
- PEBB Fertility Benefits Comparison (Kaiser, Moda, Providence), Oregon Health Authority (Oregon Health Authority, 2025)
- 2027 PEBB Enrollment Guide, Moda Health Additional Benefits (Oregon Health Authority, Open enrollment Oct 1-31, 2026 for plan year 2027)