Fertility Insurance in Florida 2025

Each year more insurance companies and employers are starting to offer fertility benefits in the greater Tampa area. This shift makes fertility treatments more accessible for patients, providing financial support for individuals and couples seeking to grow their families.  

If your company or insurance plan includes fertility benefits, the beginning of the year is a great time to begin your fertility journey. Starting now gives you the time to understand your coverage details, explore your options, and plan for potential treatments. It is important to have a comprehensive understanding of your benefits and find a reputable clinic that accepts your insurance.  

In this post, we’ll discuss what insurance plans are required to cover in Florida and provide the most up to date list of insurances accepted by The Reproductive Medicine Group.  

Is fertility coverage mandated in Florida? 

No, insurance coverage for fertility treatment is not mandated in Florida. A mandated state for fertility coverage refers to a state that has laws requiring insurance companies to offer coverage for fertility treatments, such as in-vitro fertilization (IVF), egg freezing, or other assisted reproductive technologies (ART).  

The lack of a state mandate leaves employers and insurers responsible for providing fertility coverage.  As a result, insurance coverage varies widely between employer plans and insurance companies. It is important to research what your fertility coverage covers and any limitations that it may include. Also, be aware that some plans require prior-authorization or a referral from another physician prior to starting treatment. Understanding the process can help avoid delays in your treatment timeline.  

Fertility Insurance in Tampa, Florida   

At The Reproductive Medicine Group, we participate with many insurance companies including:  

• Aetna: Basic, POS, EPO, MC 

• Blue Cross Blue Shield: BlueCare, Blue Options, Blue Select, Network Blue 

• Beech Street 

• Cigna: POS 

• Cigna/Great West 

• Coventry 

• Evolutions 

• First Health 

• Golden Rule 

• Humana Premier 

• Multiplan 

• PHCS 

• Progyny 

• United Health Care (Optum) 

• US Health Group 

• VA Health Care (Veteran’s Affairs) 

• WINFertility 

The Reproductive Medicine Group is also a member of the Aetna “Institute of Excellence” network. 

Conclusion  

Employers and insurance companies are recognizing the importance of reproductive health in their employees' well-being and fertility coverage is growing each year in Florida. If you have new fertility coverage this year, now is a great time to take control of your fertility journey. We understand researching your fertility benefits may be intimidating at first but there are resources available to help guide you through this process.  

At The Reproductive Medicine Group, our patients are at the center of everything we do. Schedule a consultation with one of our board-certified fertility specialists and start the new year by taking control of your fertility journey.