Does Network Health cover IVF?
What Network Health (Wisconsin) publishes about covering IVF and other fertility treatment, in its own words, with the document each statement is in.
- Documents read · checked 11 h ago
No, not on the plans we read. Network Health's 2026 individual plan policy excludes infertility services and artificial conception meant to achieve pregnancy, naming IVF, artificial insemination, IUI, ICSI, freezing of eggs, sperm or embryos, sperm banking and infertility drugs, even when medically necessary. Its 2027 summaries for the State of Wisconsin and local public employee plans list infertility treatment as generally not covered. It publishes no infertility policy for its other employer plans, so their own certificates decide.
What Network Health's documents say
Read on Oct 27, 2026. The words in quotation marks are the source's own.
Not on its individual or Wisconsin public employee plans
“SERVICES, TREATMENT, EQUIPMENT AND SUPPLIES NOT COVERED”
“Infertility services, artificial conception procedures, supplies and prescriptions which are not for treatment of Illness or Injury (i.e., that are for the purpose of achieving pregnancy). The Diagnosis of Infertility alone does not constitute an Illness.”
“a) Advanced reproductive technologies. These include in-vitro fertilization (IVF), zygote intra-fallopian transfer (ZIFT) and gamete intra-fallopian transfer (GIFT), whose primary purpose is to achieve pregnancy;”
Individual and family plans
The 2026 policy excludes infertility services, artificial conception procedures, supplies and prescriptions meant to achieve pregnancy, and lists IVF, ZIFT, GIFT, artificial insemination, IUI and ICSI by name. The exclusions apply even when a listed service is medically necessary.
“Coverage is not available from NHP for charges arising from the care, supplies, treatment and/or services, including complications, which are listed below.”
“Infertility services, artificial conception procedures, supplies and prescriptions which are not for treatment of Illness or Injury (i.e., that are for the purpose of achieving pregnancy). The Diagnosis of Infertility alone does not constitute an Illness.”
“a) Advanced reproductive technologies. These include in-vitro fertilization (IVF), zygote intra-fallopian transfer (ZIFT) and gamete intra-fallopian transfer (GIFT), whose primary purpose is to achieve pregnancy;”
“b) Artificial insemination; c) Freezing (cryopreservation) of sperm, oocytes or embryos; d) In-vitro fertilization; e) Intrauterine insemination;”
“b) The listed exclusion is Medically Necessary.”
Egg freezing and fertility drugs
Freezing sperm, eggs or embryos, sperm banking and prescription drugs for infertility are excluded.
“b) Artificial insemination; c) Freezing (cryopreservation) of sperm, oocytes or embryos; d) In-vitro fertilization; e) Intrauterine insemination;”
“k) Sperm banking;”
“b) Prescription drugs prescribed for treatment of Infertility.”
Wisconsin public employee plans, 2027
The 2027 summaries for the State of Wisconsin and local public employee (WPE) plans Network Health offers list infertility treatment among the services the plan generally does not cover.
“Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)”
“Infertility treatment”
Network Health plans we read
Each plan's own document, in its own words.
Individual and family HMO plans, 2026
IVF not coveredIVF, insemination, egg freezing and fertility drugs are excluded.
“a) Advanced reproductive technologies. These include in-vitro fertilization (IVF), zygote intra-fallopian transfer (ZIFT) and gamete intra-fallopian transfer (GIFT), whose primary purpose is to achieve pregnancy;”
State of Wisconsin and local public employee plans, 2027
Infertility treatment not coveredIts 2027 summaries list infertility treatment as generally not covered.
“Infertility treatment”
Whether your Network Health plan covers IVF
The Network 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 Network 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 Network Health cover IVF in Wisconsin?
Wisconsin's insurance law applied to a Network Health plan issued there. A state law reaches plans issued in that state, usually your employer's state, not where the clinic is.
Network Health in Wisconsin
Not because of state law: Wisconsin has no law requiring private plans to cover IVF, so IVF under a Network Health 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 Network Health plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Read the Services, Treatment, Equipment and Supplies Not Covered section of your policy or certificate.
- 2On an employer plan, check your own certificate: Network Health publishes no infertility policy for employer plans outside the public employee program.
- 3Check your Summary of Benefits and Coverage under the services your plan generally does not cover.
Network Health and IVF: common questions
Does Network Health cover IVF?
Not on the plans we read: its 2026 individual policy excludes IVF and other artificial conception meant to achieve pregnancy, and its 2027 Wisconsin public employee plans list infertility treatment as not covered.
Does Network Health cover IUI?
No, not on its 2026 individual plans, which exclude artificial insemination and intrauterine insemination.
Does Network Health cover fertility drugs or egg freezing?
No. Its individual policy excludes prescription drugs for infertility and freezing of sperm, eggs or embryos.
- Individual Health Maintenance Organization (HMO) Medical Policy (2026 QHP Policy) (Network Health, Plan year 2026 (printed as '2026 QHP Policy'))
- 2027 Summary of Benefits and Coverage: State of Wisconsin and WPE Local - Choice Health Plan Uniform Benefit (Network Health, Coverage Period 1/1/2027-12/31/2027)