IVF Coverage Expanding for Federal Employees in 2025
IVF costs in the U.S. vary significantly, with a single cycle ranging from $15,000 to $30,000. Some health plans in the D.C. area and nationwide now offer IVF coverage, with varying coinsurance rates and limits. Federal employees will see more IVF coverage options in 2025 and 2026.
In the D.C. area, Carefirst and Kaiser provide IVF coverage with differing coinsurance rates and limits. Aetna's new Open Access High plan offers IVF coverage with a $5,000 annual limit and a 50% coinsurance rate. Nationwide, Rural Carrier (PSHB only) and Foreign Service Benefit Plan cover IVF, but enrollment is restricted.
By 2025, 45 local FEHB plans will offer IVF coverage, surpassing OPM's required benefits. BCBS Standard and GEHA High, along with other FEHB plans, will cover three cycles of IVF-related drugs. GEHA High provides a $25,000 annual IVF benefit with a 20% cost share, while BCBS Standard has a 15% cost share and the same annual limit. Federal employees will have two nationwide PPO plans offering IVF coverage in 2025: BCBS Standard and GEHA High. Flexible Spending Accounts (FSAs) with a $3,200 limit can help offset IVF-related expenses.
IVF costs remain high, but increased health plan coverage and options for federal employees in 2025 and 2026 provide more accessibility to treatment. Using FSAs can further reduce out-of-pocket expenses.
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