Medicare doesn’t cover in vitro fertilization (IVF), but it may cover other fertility procedures.
IVF is a form of fertility treatment that involves extracting eggs and implanting them with sperm outside of your body to create embryos. Healthcare professionals can then implant the embryos or freeze them for later use.
Other types of fertility treatments include medications, surgical procedures, and assisted conception.
Although many people who receive health insurance through Medicare are more than 65 years old, in 2022, more than 1 million females between the ages of 20 and 49 years enrolled in Medicare due to disability.
You can receive coverage for fertility treatment under Medicare Part B if a doctor considers it medically necessary. But this rarely occurs. According to the Medicare Benefit Policy Manual, Medicare can cover “reasonable and necessary services” related to infertility treatment.
But the manual doesn’t expand on these services and what qualifies as “reasonable and necessary.” IVF is an expensive process that doesn’t always receive insurance coverage.
Insurance providers may require an individual to pursue more “basic” fertility treatments before exploring IVF. If Medicare can cover any of your fertility procedures, it may be one of these more basic treatments.
Prescription drug coverage under Medicare Part D excludes fertility drugs.
If a person receives coverage for fertility treatments under Medicare, it may be through Part B. In 2025, Part B has an annual deductible of $257. After reaching your deductible amount, you must pay 20% of the Medicare-approved amount for a given service or procedure.
The table below shows the average amounts people with Medicare paid for specific outpatient fertility procedures:
| Procedure | Cost at an ambulatory surgical center | Cost at a hospital outpatient department |
|---|---|---|
| Artificial insemination; intra-cervical | $18 | $70 |
| Follicle puncture for oocyte retrieval, any method | $121 | $191 |
| Embryo transfer, intrauterine | $83 | $153 |
| Gamete, zygote, or embryo intrafallopian transfer, any method | $74 | $102 |
If you have a Medicare Advantage (Part C) plan, your coverage and costs may vary. Consider contacting your provider to learn what services you’re eligible for.