Overview
- Announced by the Treasury, Labor, and HHS departments, the draft would let employers offer fertility care as a standalone “limited excepted benefit.”
- Covered services include diagnosis, counseling, medications, surgical treatment, IVF, and related care, with a $120,000 lifetime limit for a family.
- As an excepted benefit, the coverage would face fewer federal requirements than major medical plans, which could ease employer administration.
- The departments will take public comments for 60 days after Federal Register publication, and the policy is not yet in effect.
- For workers, the option could lower IVF bills that often reach $12,000 to $25,000 per cycle, and employers could choose whether to offer it.