Access to ART is limited by cost and by discriminatory policies. Almost all ART is expensive and therefore only accessible to people who can afford it. No states’ public benefits programs cover IVF. Some states require private insurers to cover ART, though this only applies to individuals who have a medical diagnosis of infertility (see footnote 4). Twelve states are mandated to cover, 7 and 2 states are mandated to offer 8 coverage. Specifics on coverage depend on the state. Some states exempt HMOs or companies with few employees. Other states offer lifetime limits to their coverage (Arkansas, $15,000) or limits.
