Does Quartz cover IVF?
What Quartz Health Solutions (Wisconsin, Illinois, Minnesota, Iowa) 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 most plans we could read, and Quartz publishes no current infertility policy. Its 2026 provider manual says prescription benefits for most members exclude infertility medications. The State of Wisconsin's 2027 employee program, which Quartz offers, excludes IVF, artificial insemination and egg freezing. Quartz also administers employers' self-funded plans through Quartz Align, where the employer chooses the benefits, so your own plan's benefit documents decide.
What Quartz's documents say
Read on Oct 26, 2026. The words in quotation marks are the source's own.
Not on most plans we could read; your plan decides
“For most members, benefit exclusions consist of cosmetic treatments, weight modification medications, infertility, sexual dysfunction medications, over-the-counter medication, medical food, and nutritional supplements.”
“e. Artificial insemination or fertilization methods including, but not limited to, in vivo fertilization, in vitro fertilization, embryo transfer, gamete intra fallopian transfer (GIFT) and similar procedures, and related Hospital, professional and diagnostic services and medications that are incidental to such insemination or fertilization methods.”
Wisconsin state employees
Every plan in the State of Wisconsin Group Health Insurance Program offers the same benefits, and its 2027 certificate lists as not covered infertility services meant to achieve pregnancy, IVF and other fertilization methods with their drugs, egg retrieval and freezing, and sperm storage and donor sperm.
“All Health Plans that participate in the GHIP must offer the same coverage described in this Certificate.”
“The services described in this section are specifically not covered by the GHIP.”
“14. Reproductive Services a. Infertility services 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.”
“d. Harvesting of eggs and their cryopreservation.”
Employer plans run by Quartz Align
Quartz Align administers employers' self-funded plans, so the employer selects the benefits; members see theirs in the MyCreateHealth portal.
“Congratulations! Your employer has selected Quartz Align to administer its self-funded health plan benefits.”
“Check coverage See your eligibility and summary of benefits (SOB), plan details, and more”
Where Quartz sells
Commercial plans in Wisconsin and northern Illinois, and in Minnesota and Iowa, plus Medicare and Medicaid plans.
“focuses on commercial plans in Wisconsin and northern Illinois.”
“these entities offer a variety of plans focusing on the Medicare and Medicaid sector, as well as commercial plans in Minnesota and Iowa.”
Whether your Quartz plan covers IVF
The Quartz 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 Quartz 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 Quartz cover IVF in your state?
Each state's insurance law applied to a Quartz plan issued there. A state law reaches plans issued in that state, usually your employer's state, not where the clinic is.
Quartz in Illinois
Often, on fully-insured plans: Illinois requires some fully-insured health plans to cover IVF, and that includes Quartz plans issued in Illinois unless one of the law's limits or exemptions applies. Fully-insured plans must cover IVF (cycle limits apply). A self-funded employer plan that Quartz only administers is not bound by state law and covers IVF only if the employer chose to. Illinois law and clinics
Quartz in Iowa
Not because of state law: Iowa has no law requiring private plans to cover IVF, so IVF under a Quartz 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
Quartz in Minnesota
Not because of state law: Minnesota has no law requiring private plans to cover IVF, so IVF under a Quartz 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
Quartz in Wisconsin
Not because of state law: Wisconsin has no law requiring private plans to cover IVF, so IVF under a Quartz 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 Quartz plan covers
A policy or program page is a summary. Your own plan's documents are what it pays by.
- 1Look up your group's or your own benefit documents with Quartz's benefit documents search, by group or member number.
- 2Individual and family members: log in to Quartz MyChart for the details of your plan.
- 3Quartz Align members: check your summary of benefits in MyCreateHealth, and ask HR whether the employer added fertility benefits.
- 4Wisconsin state employees: your benefits are set by the state program at etf.wi.gov.
Quartz and IVF: common questions
Does Quartz cover IVF?
Not on most plans we could read. Quartz publishes no current infertility policy, its provider manual says prescription benefits for most members exclude infertility drugs, and the State of Wisconsin's 2027 employee program excludes IVF. Your plan's own benefit documents decide.
Does the State of Wisconsin employee health plan cover IVF?
No. The 2027 Group Health Insurance Program certificate, the same for every participating plan, excludes IVF, artificial insemination and egg freezing.
Does Quartz cover fertility drugs?
Not for most members: Quartz's 2026 provider manual says prescription benefit exclusions for most members include infertility drugs.
- Quartz Provider Manual (Pharmacy section, p.65) (Quartz, September 2026)
- 2027 Certificate of Coverage, 5.A.14 Reproductive Services (excluded) (Wisconsin Department of Employee Trust Funds, Effective January 1, 2027; revised April 9, 2026)
- Quartz Align Participants Information & Forms (Quartz)
- Our history: The making of Quartz (Quartz)