Cigna covers IVF as of 2019. Prior to that, the company had a policy of not covering the procedure. The change in policy came after years of protests from customers and advocacy groups.
IVF is a costly procedure, with the average cost being around $12,000 per cycle. Insurance coverage can help offset some of those costs. Cigna’s coverage is pretty standard as far as insurance companies go. They cover up to six cycles of IVF and will pay for associated medications and procedures like egg retrieval and embryo transfer.
Cigna does have some restrictions in place though. They will not cover fertility treatments for women over the age of 40 or for men with a low sperm count. Additionally, they will not cover donor eggs or sperm, or surrogacy arrangements.
If you are considering IVF and have Cigna insurance, be sure to check with them to see what exactly is covered under your plan. And remember, even with insurance coverage, IVF can still be a very expensive proposition so be prepared financially before you start down that road.