Does Molina Healthcare cover IVF?
What Molina Healthcare (Marketplace 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
It depends on the state. Molina writes a separate 2026 Marketplace agreement for each state. Illinois lists IVF and other assisted reproduction among the covered infertility services, with prior authorization. Texas and California exclude infertility services, IVF and insemination included (California keeps medically necessary fertility preservation), and Nevada covers only limited infertility care, including up to six inseminations per lifetime, without naming IVF. Molina's other plans are Medicaid and Medicare, which follow those programs' rules.
What Molina's agreements say
Read on Oct 25, 2026. The words in quotation marks are the source's own.
Varies by state and plan
“In Vitro Fertilization, Uterine Embryo Lavage, Embryo transfer, Gamete Intrafallopian Tube Transfer, Zygote Intrafallopian Tube Transfer and Low Tubal Ovum Transfer.”
“Molina does not cover infertility services and supplies, including insemination and conception by artificial means, such as: ovum transplants, gamete intrafallopian transfer (GIFT), semen and eggs (and services related to their procurement and storage), in vitro fertilization (IVF), and zygote intrafallopian transfer (ZIFT).”
“This Consumer Choice Health Benefit Plan, either in whole or in part, does not provide state-mandated health benefits normally required in evidence of coverage in Texas.”
Where Molina sells Marketplace plans
California, Connecticut, Florida, Idaho, Illinois, Kentucky, Michigan, Mississippi, New Mexico, Nevada, Ohio, South Carolina, Texas, Utah, Washington and Wisconsin. It also runs Medicaid, CHIP and Medicare plans.
“Find a plan that meets your needs and your budget. Select your state to get started. Select your State Select your stateCaliforniaConnecticutFloridaIdahoIllinoisKentuckyMichiganMississippiNew MexicoNevadaOhioSouth CarolinaTexasUtahWashingtonWisconsin”
“We work with state governments to offer complete health care to families and people who qualify for programs like Medicaid and the Children's Health Insurance Program (CHIP).”
Fertility drugs
Illinois covers outpatient and specialty prescription drugs for infertility as its agreement sets out. Texas, California and Nevada do not cover drugs to treat infertility, other than treating an underlying condition that caused it.
“Outpatient prescription drugs and Specialty Prescription Drugs for the treatment of Infertility as outlined in this Agreement.”
“Molina does not cover drugs to treat conditions that are benefit exclusions, including but not limited to: Cosmetic services Hair loss or growth treatment Infertility (other than treating an underlying diagnosis which caused infertility)”
Fertility preservation
Illinois, Texas and California cover medically necessary fertility preservation when a medical treatment, such as cancer treatment, may cause infertility. Nevada's 2026 agreement says preservation for breast and ovarian cancer under a new state law starts January 1, 2027.
“Molina covers family planning services, including all FDA-approved methods of birth control and medically necessary fertility preservation services when a medical treatment may cause infertility.”
“Fertility preservation services for a member who will receive a medically necessary treatment for cancer, including surgery, chemotherapy, or radiation, that the American Society of Clinical Oncology or the American Society for Reproductive Medicine has established may directly or indirectly cause impaired fertility.”
“Other than Medically Necessary iatrogenic fertility preservation services, Molina does not cover infertility services and supplies, including insemination and conception by artificial means, such as: ovum transplants, gamete intrafallopian transfer (GIFT), semen and eggs (and services related to their procurement and storage), in vitro fertilization (IVF), and zygote intrafallopian transfer (ZIFT)”
“Fertility preservation in certain instances AB428 Breast and ovarian cancer fertility preservation(Eff.1/1/2027) N/A N/A It will be included in the 2027 EOC.”
Surrogacy
Not covered in the agreements read. In Illinois, the cost of retrieving the member's own eggs, sperm or embryos is still covered when a surrogate carries the pregnancy.
“Molina does not cover services for anyone in connection with a surrogacy arrangement. Except for the costs for procedures to obtain eggs, sperm, or embryos from the Member which will be covered if a Member uses a surrogate.”
Molina's 2026 Marketplace agreements we read
Each state's agreement is its own contract. We could not read the other 12 states' 2026 agreements, so check yours.
Illinois
Covers IVFCovers infertility diagnosis and treatment, including IVF, embryo transfer, GIFT and ZIFT and artificial insemination, after prior authorization, at an infertility center or participating provider. Treatments with egg retrievals are covered after less costly treatments have not worked. The agreement says four completed egg retrievals per plan year (with at least two more after a live birth) and, elsewhere, a minimum of six, so ask Molina which applies. Donor medical costs are covered.
“In Vitro Fertilization, Uterine Embryo Lavage, Embryo transfer, Gamete Intrafallopian Tube Transfer, Zygote Intrafallopian Tube Transfer and Low Tubal Ovum Transfer.”
“Infertility services are covered upon Prior Authorization from a Member’s Primary Care Physician or Woman’s Principal Health Care Provider and when Preauthorized by Molina that the Member meets all the criteria for coverage.”
“For treatments that include Oocyte Retrievals, coverage for such treatments will be provided only if the Member has been unable to attain a viable pregnancy, maintain a viable pregnancy, or sustain a successful pregnancy through reasonable, less costly medically appropriate Infertility treatments.”
“The completed Oocyte Retrievals that shall be eligible for coverage is four per Plan Year.”
“The minimum number of completed Oocyte Retrievals that shall be eligible for coverage is six per Plan Year.”
“The medical expenses of an Oocyte or sperm Donor for procedures utilized to retrieve Oocytes or sperm, and the subsequent procedure used to transfer the Oocytes or sperm to the covered recipient will be covered.”
Texas
IVF excludedExcludes infertility services, including insemination, IVF, GIFT, ZIFT and obtaining or storing eggs or sperm, and fertility drugs; covers fertility preservation before cancer treatment. Its Consumer Choice plan variant leaves out benefits Texas law normally requires.
“Molina does not cover infertility services and supplies, including insemination and conception by artificial means, such as: ovum transplants, gamete intrafallopian transfer (GIFT), semen and eggs (and services related to their procurement and storage), in vitro fertilization (IVF), and zygote intrafallopian transfer (ZIFT).”
“This Consumer Choice Health Benefit Plan, either in whole or in part, does not provide state-mandated health benefits normally required in evidence of coverage in Texas.”
California
IVF excludedThe individual plan we read excludes infertility services, insemination and IVF included, other than medically necessary fertility preservation before a treatment that may cause infertility. California's IVF law reaches large-group plans, not these.
“Other than Medically Necessary iatrogenic fertility preservation services, Molina does not cover infertility services and supplies, including insemination and conception by artificial means, such as: ovum transplants, gamete intrafallopian transfer (GIFT), semen and eggs (and services related to their procurement and storage), in vitro fertilization (IVF), and zygote intrafallopian transfer (ZIFT)”
Nevada
Insemination onlyCovers limited, prior-authorized infertility care: lab tests, diagnostic procedures and artificial insemination up to six cycles per lifetime. IVF is not named.
“Infertility benefits provided under this agreement include limited diagnostic and therapeutic infertility services determined to be Medically Necessary and must be Prior Authorized.”
“Artificial insemination services, up to six cycles per Member per lifetime.”
Whether your Molina Healthcare plan covers IVF
The Molina Healthcare 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 Molina Healthcare 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 Molina Healthcare cover IVF in your state?
Each state's insurance law applied to a Molina Healthcare plan issued there. A state law reaches plans issued in that state, usually your employer's state, not where the clinic is.
Molina Healthcare in California
Often, on fully-insured plans: California requires some fully-insured health plans to cover IVF, and that includes Molina Healthcare 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. California law and clinics
Molina Healthcare in Connecticut
Often, on fully-insured plans: Connecticut requires some fully-insured health plans to cover IVF, and that includes Molina Healthcare 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
Molina Healthcare in Illinois
Often, on fully-insured plans: Illinois requires some fully-insured health plans to cover IVF, and that includes Molina Healthcare plans issued in Illinois unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (cycle limits apply). Illinois law and clinics
Molina Healthcare 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 Molina Healthcare plan issued in Texas covers IVF only when the employer chose the benefit. Texas law and clinics
Molina Healthcare in Ohio
Not because of state law: Ohio requires some infertility coverage but not IVF, so IVF under a Molina Healthcare plan there depends on what the employer chose. Ohio law and clinics
Molina Healthcare 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 Molina Healthcare plan there depends on what the employer chose. Kentucky law and clinics
Molina Healthcare 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 Molina Healthcare plan there depends on what the employer chose. Nevada law and clinics
Molina Healthcare in Florida
Not because of state law: Florida has no law requiring private plans to cover IVF, so IVF under a Molina Healthcare 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
Molina Healthcare in Utah
Not because of state law: Utah has no law requiring private plans to cover IVF, so IVF under a Molina Healthcare 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
Molina Healthcare in Idaho
Not because of state law: Idaho has no law requiring private plans to cover IVF, so IVF under a Molina Healthcare 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
Molina Healthcare in Michigan
Not because of state law: Michigan has no law requiring private plans to cover IVF, so IVF under a Molina Healthcare 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
Molina Healthcare in Mississippi
Not because of state law: Mississippi has no law requiring private plans to cover IVF, so IVF under a Molina Healthcare 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
Molina Healthcare in New Mexico
Not because of state law: New Mexico has no law requiring private plans to cover IVF, so IVF under a Molina Healthcare 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
Molina Healthcare in South Carolina
Not because of state law: South Carolina has no law requiring private plans to cover IVF, so IVF under a Molina Healthcare 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
Molina Healthcare in Washington
Not because of state law: Washington has no law requiring private plans to cover IVF, so IVF under a Molina Healthcare 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
Molina Healthcare in Wisconsin
Not because of state law: Wisconsin has no law requiring private plans to cover IVF, so IVF under a Molina Healthcare 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 Molina Healthcare plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Open your own state's Molina Marketplace agreement (evidence of coverage) and read its infertility sections: each state's differs.
- 2In Texas, check whether your plan is a Consumer Choice plan, which can leave out state-required benefits.
- 3Ask Molina member services for prior authorization rules before treatment, and in Illinois, which egg retrieval limit applies to you.
Molina Healthcare and IVF: common questions
Does Molina cover IVF?
It depends on the state. Its 2026 Illinois Marketplace agreement lists IVF as a covered infertility service with prior authorization; its Texas and California agreements exclude it, and Nevada covers only limited care, including up to six inseminations per lifetime.
Does Molina cover IVF in Illinois?
Yes, on its 2026 Marketplace plan: IVF, embryo transfer, GIFT and ZIFT are listed as covered after prior authorization, once less costly treatments have not worked, with egg retrieval limits the agreement sets.
Does Molina Medicaid cover IVF?
Molina's Medicaid plans follow each state's Medicaid program, so the state's Medicaid rules decide: the Medicaid page here shows each state's rule.
- Molina Healthcare of Illinois, Inc. Marketplace 2026 Agreement and Individual Policy and Disclosure Form (Molina Healthcare, Plan year 2026)
- Molina Healthcare of Texas, Inc. Marketplace 2026 Agreement and Individual Evidence of Coverage (Molina Healthcare, Plan year 2026)
- Molina Healthcare Individual and Family Plans (Molina Healthcare)
- Molina Healthcare home page (Molina Healthcare)
- Molina Healthcare of California Marketplace 2026 Agreement and Combined Evidence of Coverage and Disclosure Form (Molina Healthcare, Plan year 2026)
- Molina Healthcare of Nevada, Inc. Marketplace 2026 Agreement and Individual Certificate of Coverage (Molina Healthcare, Plan year 2026)