Does insurance cover IVF in Maryland?
IVF coverage mandated
Yes — Maryland law requires state-regulated health plans to cover IVF.
What the law says
Maryland — one of the earliest mandate states — requires IVF coverage.
- 3 IVF cycles per live birth
- $100,000 lifetime maximum
- Fertility preservation covered
Statute: Md. Insurance Code §15-810, §31-116(a) · enacted 1985, 2000, 2018, 2020
The exemption that matters in every state
Self-insured (self-funded) employer plans are regulated by federal ERISA law, not state law, and are exempt from state coverage mandates. Roughly two-thirds of covered U.S. workers are on self-insured plans — your employer's benefits office can tell you which kind of plan you have.
Fertility clinics in Maryland
4 Maryland clinics report outcomes to the CDC's federally mandated registry — every profile shows the same age-stratified live-birth chart. See all clinics in Maryland.
This page summarizes state law for general information. It is not legal, medical, or insurance advice, and laws change. Confirm current coverage details with your insurer, your employer's benefits administrator, and the statute itself before making decisions. Source: RESOLVE: The National Infertility Association — Insurance Coverage by State. Last reviewed 2026-08-04.