15 Companies That Offer Fertility Benefits, and What You Need to Know About Each

If you’re reading this, you probably know that getting pregnant isn’t always as easy as your middle school Sex Ed class made it sound. For many people, fertility treatments like IVF or egg freezing become part of the journey — and they’re expensive. The average IVF cycle can cost between $15,000 and $25,000, often before medications, storage, or travel are factored in.

Right now, only 20 states in the U.S. offer some kind of mandated fertility coverage. And not all of them define “fertility coverage” the same way. That leaves millions of hopeful parents footing the bill for treatment unless their employer helps.

The good news? In 2025 and into 2026, more employers than ever are stepping up. From companies that cover IVF and surrogacy to those offering adoption assistance and egg-freezing benefits, workplace fertility perks are quickly becoming the new standard for inclusive healthcare.

Why more employers are offering fertility benefits in 2025

Fertility care is no longer considered a “fringe” benefit — it’s a mainstream expectation. As reproductive care becomes more visible and employees push for inclusive healthcare options, fertility coverage has evolved into a key part of wellness and equality at work.

Companies are realizing that fertility benefits don’t just support employees — they strengthen loyalty and reduce turnover. In fact, according to Carrot’s Global Fertility at Work report, 65% of people would change jobs for fertility benefits, and 72% would stay at a company longer if they had access to fertility benefits.

And with treatment costs rising and more people delaying parenthood, many HR departments see fertility benefits for employers as both a moral and strategic investment. In short: supporting fertility care helps companies attract and keep top talent.

Which companies cover IVF and other fertility treatments

Most employer fertility benefits now go far beyond IVF alone. They’re designed to cover the many different paths to parenthood.

Companies that pay for IVF: What’s typically included

The best companies that pay for IVF usually cover procedures like IVF, IUI, and fertility medications, along with diagnostic testing, lab work, and embryo transfer. Some also include preimplantation genetic testing (PGT-A) or donor services.

Here are some of the top companies that pay for IVF:

• Starbucks: Offers up to $25,000 for IVF, plus medication coverage for part-time and full-time employees.
• Google: Provides up to $75,000 in fertility coverage, including IVF, egg freezing, and preservation.
• Adobe: Covers 80–90% of pre-certified fertility services, with a $60,000 lifetime maximum.
• American Express: Reimburses $35,000 for fertility and reproductive treatments.
• Walmart: Partners with Kindbody to offer $20,000 toward IVF, surrogacy, and adoption.

Surrogacy-friendly insurance: Coverage and support

Employers with surrogacy-friendly insurance may offer direct reimbursement for agency, legal, or medical expenses. For LGBTQ+ employees or those unable to carry a pregnancy, this coverage can make parenthood possible.

Companies that offer surrogacy-friendly insurance include:

• Starbucks: Offers $10,000 in surrogacy assistance for part- and full-time workers.
• Pinterest: Provides $20,000 in surrogacy support.
• American Express: Reimburses $35,000 in surrogacy expenses.
• Disney: Covers surrogacy costs up to $75,000 through Progyny.
• Tesla: Offers $25,000 for donor and surrogacy services through Kindbody.

Egg freezing and fertility preservation benefits

Fertility preservation — like egg and sperm freezing — has become one of the fastest-growing fertility perks. It allows employees to take control of their reproductive future and plan families on their own timeline.

Companies offering fertility preservation benefits include:

• Google: Covers egg freezing and fertility preservation as part of its $75,000 benefit.
• Adobe: Includes freezing and storage for sperm, eggs, and embryos.
• Chobani: Offers coverage for egg and sperm freezing, alongside IVF cycles.
• Disney: Includes egg and sperm freezing in its $75,000 fertility package.
• Spotify: Offers unlimited IVF coverage with PGT testing, often used alongside fertility preservation.

Adoption assistance programs

Many companies that offer fertility benefits also include adoption assistance programs, covering legal fees, agency costs, and travel expenses. These benefits make adoption more accessible and affirm every path to parenthood.

Companies with good adoption benefits include:

• Starbucks: Offers $10,000 in adoption assistance.
• Walmart: Provides $20,000 in adoption benefits.
• Pinterest: Includes $5,000 in adoption support.
• Bank of America: Reimburses $20,000 for adoption-related expenses.
• Tesla: Covers up to $25,000 for adoption services.

15 companies with fertility benefits

Let’s be honest — fertility care isn’t cheap. But these companies are making it a little easier by offering real support for IVF, surrogacy, and adoption. They’re proving that growing your family shouldn’t mean draining your savings.

1. Starbucks

Starbucks has become a household name for inclusive benefits. Through Progyny, Starbucks offers IVF, egg freezing, surrogacy, and adoption support — even for part-time baristas.

Starbucks health insurance IVF: Part-time eligibility

Yes, part-time employees are eligible. That’s what makes the Starbucks fertility coverage program so unique. It sets a new standard for accessibility in retail.

Starbucks IVF coverage in 2025: What’s changed

As of 2025, Starbucks IVF coverage includes:

• $25,000 for IVF
• $10,000 for IVF-related medications (per qualifying event)
• $10,000 for surrogacy and adoption

Starbucks fertility coverage and surrogacy support

Starbucks continues to expand surrogacy insurance coverage options, proving that meaningful fertility benefits aren’t just for corporate workers. If you’re searching for part-time jobs that cover IVF, Starbucks tops the list.

2. Lowe’s

Home improvement giant Lowe’s has quietly become one of the most companies that cover IVF in the retail sector.

• Coverage for IVF and fertility medications
• Up to $5,000 for adoption-related expenses
• Access to Progyny fertility networks

Lowe’s IVF coverage reflects a larger corporate trend: supporting every stage of the family-building journey, from treatment to adoption.

3. Walmart

As of September 2022, Walmart has partnered with Kindbody to provide fertility and family-building benefits to their employees all over the U.S. Walmart employees now have access to over 30 Kindbody clinics nationwide along with their great IVF, surrogacy, and adoption financial benefits.

• $20,000 for IVF, surrogacy, and adoption
• $10,000 for medications
• 16 weeks of paid leave for birth parents
• 6 weeks of paid leave for adoptive parents and foster carers

4. Adobe

Adobe provides one of the most generous fertility packages in tech. The company covers IVF, IUI, testing, and fertility preservation, including sperm and egg storage.

• 80–90% coverage for pre-certified fertility services
• $60,000 lifetime maximum

5. American Express

Employees of Amex receive generous reimbursement for surrogacy, adoption, and fertility care — plus 20 weeks of paid parental leave.

• $35,000 for fertility treatments
• $35,000 for adoption or surrogacy

6. Bain & Company

Bain & Company has one of the most inclusive benefits packages on this list. The firm offers unlimited IVF coverage — no lifetime cap.

• Unlimited IVF coverage
• 21 weeks of paid parental leave

7. Bank of America

Bank of America’s family-building reimbursement applies to fertility, surrogacy, and adoption. Employees also gain access to educational tools and one-on-one care support.

• $20,000 for fertility, surrogacy, or adoption expenses

8. Chanel

Luxury brand Chanel isn’t just known for couture — it’s a leader in fertility equality, too.

The details:

• Unlimited IVF coverage
• Medication coverage may vary by plan

9. Chobani

For a company built on community, Chobani’s fertility and parental benefits reflect its “family first” ethos.

• Up to three rounds of IVF
• Coverage for egg or sperm freezing

10. Gusto

Gusto was among the first U.S. companies of its size to offer fertility benefits for LGBTQ+ employees, regardless of medical infertility status.

• $20,000 for fertility procedures

This inclusive approach has made Gusto a model for small-to-midsize companies that want to support employees through every fertility path.

11. Google

No surprise here — Google is known for employee-first perks. Its fertility coverage includes egg freezing, IVF, and consultation services.

• Up to $75,000 in IVF coverage
• Fertility testing and consultations included
• “Baby Bonding Bucks” for new parents

12. Pinterest

Pinterest expanded its parental and fertility benefits worldwide in 2025, offering four IVF rounds and generous surrogacy support.

• 4 IVF cycles
• $20,000 for surrogacy assistance
• $5,000 for adoption

13. Spotify

Spotify offers unlimited IVF coverage, including PGT testing, alongside six months of fully paid parental leave.

• Unlimited IVF and PGT coverage

14. The Walt Disney Company

Through Progyny, Disney provides a robust suite of fertility services, surrogacy, and preservation coverage.

• Up to $75,000 for fertility, surrogacy, and egg/sperm freezing

15. Tesla

Tesla’s partnership with Kindbody ensures that all employees can access top-tier fertility care.

• $40,000 for IVF, IUI, and preservation
• $20,000 for medications
• $25,000 for donor or surrogacy services
• $25,000 for adoption

Companies that cover IVF: How much do they actually pay?

It’s one thing for a company to say they cover fertility care — it’s another to understand what that really means. IVF benefits can vary a lot depending on whether your employer sets a lifetime cap, pays per treatment cycle, or uses a fertility benefits provider like Progyny. Knowing how your plan works can make a big difference when you’re budgeting or planning for multiple rounds of treatment.

Understanding lifetime maximums vs. per-cycle coverage

Some companies, like Adobe or American Express, use a lifetime maximum model. That means your total fertility coverage stops once you reach a certain dollar amount — often between $20,000 and $60,000. Others, like Starbucks, Google, or Disney, offer coverage per qualifying event, which resets with each new IVF cycle or pregnancy attempt.

In other words, a lifetime cap can be helpful if you only need one or two rounds, but per-cycle coverage tends to stretch further for those facing a longer journey to pregnancy.

What “per qualifying event” really means

When a company says they cover fertility benefits “per qualifying event,” it usually means that each IVF cycle or significant step in your treatment — like an egg retrieval or embryo transfer — qualifies for its own reimbursement or benefit amount. For example, Starbucks IVF coverage includes $25,000 per qualifying event, giving employees more flexibility to try again if the first cycle doesn’t work out.

Some benefit providers, like Progyny, simplify this even further by using “Smart Cycles,” which bundle different stages of treatment together so employees don’t have to worry about how each step is billed.

Hidden costs employer benefits don’t cover

Even the best companies that pay for IVF won’t cover everything. You may still be responsible for costs like:

• Pre-cycle bloodwork and fertility testing
• Long-term embryo or egg storage fees
• Travel expenses to reach in-network clinics
• Donor egg or sperm matching services

It’s always worth asking your HR or benefits department for a full breakdown of what’s covered — and what’s not. That way, there are fewer surprises down the line, and you can plan your treatment and finances with confidence.

Do fertility benefits cover failed IVF cycles?

If you’ve been through IVF, you know that success isn’t always instant. Most people need more than one round to get to a viable pregnancy, and even with good coverage, that can add up fast. Understanding how your employer handles repeat cycles — or “failed” ones — can make a huge difference in reducing both financial and emotional stress.

When you need multiple rounds of treatment

The average person undergoing IVF may need two to three cycles to conceive, which can cost anywhere from $40,000 to $60,000 out of pocket without insurance. That’s why companies with unlimited IVF coverage, like Bain & Company, Chanel, and Spotify, stand out. Their policies remove the pressure of a financial clock, allowing employees to focus on treatment rather than cost.

Other employers, like Starbucks, Google, and Disney, also offer per-cycle coverage, giving workers another shot if the first round doesn’t work. In 2025, more companies are expanding their benefits for repeat cycles — a reflection of growing awareness that IVF isn’t a one-and-done process.

How coverage resets (or doesn’t)

Whether your fertility benefits reset after a cycle depends on the plan. Some employers, like Adobe or American Express, apply a lifetime maximum, meaning once you hit that number, coverage ends. Others, like Starbucks and Google, offer coverage per qualifying event, which renews for each new IVF attempt.

If your company partners with Progyny, your plan might instead use “Smart Cycles.” Each Smart Cycle covers a different treatment component — from egg retrieval to embryo transfer — so you can combine or reuse parts of your benefit depending on what you need next. This model is designed to give employees flexibility, even if their fertility journey takes a few more tries than expected.

No matter your coverage type, it’s worth confirming how your plan resets before starting treatment. Knowing where you stand can help you plan ahead — financially and emotionally — for the possibility of more than one round.

Understanding an employer’s fertility benefit provider

If you’ve ever tried to make sense of your insurance paperwork during fertility treatment, you know it can feel like learning a new language. That’s where fertility benefit management companies come in. These providers partner with employers to simplify access, approvals, and care — so you can focus less on phone calls and more on your next step toward growing your family.

What are fertility benefit management companies?

Fertility benefit providers — like Progyny, Maven Clinic, Kindbody, and Carrot Fertility — act as middlemen between employers, insurance plans, and fertility clinics. They help employees access high-quality care with less red tape, often offering dedicated care coordinators, 24/7 support, and coverage for everything from IVF and IUI to surrogacy and egg freezing.

Instead of piecing together treatment through a traditional insurance plan, these programs create a one-stop hub for fertility and family-building care. Think of it as having a built-in fertility concierge through your job.

Progyny vs Maven Fertility: Key differences

When comparing Maven Fertility vs. Progyny, it helps to understand their focus. Progyny is designed more like an insurance benefit, offering coverage through its “Smart Cycle” model. Each Smart Cycle includes a combination of services — like an egg retrieval or embryo transfer — that can be customized based on your needs.

Maven, on the other hand, operates more like a digital health platform. It focuses on care navigation — providing virtual visits, emotional support, and coordination for fertility, pregnancy, postpartum, and even menopause. Both simplify access to fertility care, just in slightly different ways: Progyny leans on structure and coverage, while Maven leans on flexibility and personal guidance.

What companies offer Progyny benefits

Progyny has quickly become the gold standard for fertility coverage — and for good reason. Employers partner with Progyny to offer smarter, more flexible benefits that prioritize quality care over quantity of cycles.

You’ll find Progyny fertility coverage at:

• Starbucks: Fertility, surrogacy, and adoption benefits for part-time and full-time employees.
• Disney: Up to $75,000 in fertility, surrogacy, and egg-freezing services.
• Google: Extensive IVF and preservation coverage through Progyny.
• Lowe’s: Fertility medication and treatment support for retail and corporate employees.
• Bank of America: Family-building reimbursement and care concierge access.
• Bain & Company: Unlimited IVF coverage paired with Progyny’s care management tools.
• Chanel: High-end coverage with minimal restrictions on IVF cycles.

In 2025, more companies across healthcare, tech, and finance are turning to Progyny because of its measurable success rates and patient satisfaction scores. It’s one of the clearest signs that fertility coverage is moving from “nice to have” to non-negotiable.

Other fertility benefit providers

Progyny isn’t the only player changing the game. A growing number of employers are working with other fertility benefit providers to meet the diverse needs of their teams. These platforms each bring something slightly different to the table — from in-house clinics to flexible reimbursement and global access.

Here are a few worth knowing:

• Kindbody: Combines in-house fertility clinics with benefit management, offering treatment, preservation, and family-building services under one brand. Used by companies like Walmart and Tesla.
• Carrot Fertility: Known for its flexibility, Carrot offers global coverage and reimbursement options that include IVF, surrogacy, adoption, and menopause support.
• WINFertility: A long-standing option for smaller employers, WIN offers cost-sharing programs and personalized nurse support for fertility patients.
• Maven Clinic: Focuses on telehealth and holistic care, helping employees navigate fertility, pregnancy, postpartum, and beyond through a single app.

Whether your company uses Progyny, Maven, Kindbody, or another fertility benefits company, the goal is the same: to make building a family more accessible, inclusive, and supported from start to finish.

Jobs that cover IVF: Finding employment with fertility benefits

Finding a job that supports your fertility journey can feel like a game-changer — especially when you’ve seen how high the costs of treatment can climb. The good news? Fertility benefits are no longer limited to big tech or healthcare. More industries than ever are offering support for IVF, surrogacy, and egg freezing, creating real options for people at every career level.

Whether you’re just starting your career, looking for a new role, or re-entering the workforce while trying to conceive, it’s worth knowing which jobs that offer IVF coverage are out there — and what to look for when reviewing benefits packages.

Part-time jobs that cover IVF

If you thought you needed a full-time corporate role to access fertility benefits, think again. A growing number of companies are proving that part-time employees deserve the same level of support when it comes to starting a family.

Starbucks is the pioneer here, but several other brands are beginning to follow its lead. If you’re job-hunting, keep an eye out for roles that mention Progyny or Kindbody in their benefits descriptions — it’s usually a sign they’ve invested in real fertility coverage.

Here are a few part-time jobs that cover IVF or family-building benefits:

• Starbucks: Offers up to $25,000 for IVF, $10,000 for medications, and $10,000 for surrogacy or adoption — all available to part-time baristas through Aetna and Progyny.
• Trader Joe’s: Provides comprehensive health benefits for part-time workers, which can include fertility care depending on location and tenure.
• Costco: Offers medical plans for part-time employees that may include reproductive health benefits, including IVF coverage in select states.
• Lowe’s: Offers IVF and fertility coverage to eligible hourly employees through Progyny, making it another strong option for those in retail.

Jobs that offer IVF coverage: What to look for

When searching for jobs that offer fertility benefits, pay close attention to the details. Look for keywords like “family-building coverage,” “fertility reimbursement,” “egg freezing,” or “Progyny Smart Cycle.” Those are signs that an employer is serious about reproductive health, not just offering vague wellness perks.

You can also check if a company partners with fertility benefit providers such as Maven, Kindbody, or Carrot, since these partnerships often mean stronger support for IVF and related treatments. And don’t be afraid to ask about it directly during interviews — fertility coverage is healthcare, not a taboo topic.

Jobs with IVF coverage: Industries leading the way

Tech and finance were among the first to adopt comprehensive fertility benefits, but they’re no longer the only ones. In 2025, more jobs that cover IVF can be found in:

• Technology: Companies like Google, Adobe, and Spotify continue to set the standard with IVF, preservation, and surrogacy benefits.
• Finance: Employers like American Express, Bank of America, and Bain & Company offer generous reimbursement programs and extended parental leave.
• Healthcare and pharma: Providers such as Pfizer, Johnson & Johnson, and CVS Health have introduced fertility coverage for their medical staff.
• Retail and hospitality: Brands like Starbucks, Lowe’s, and Walmart have brought fertility care into industries that traditionally lagged behind.
• Entertainment: Studios like Disney and Netflix continue to expand fertility and family-building coverage to creative professionals.

How to find jobs that offer fertility benefits

If you’re job-hunting while trying to conceive (or thinking about it down the line), knowing how to spot companies that truly support fertility care can save you a lot of time — and stress. Thankfully, as fertility benefits become more common, it’s getting easier to find employers who actually walk the walk when it comes to family-building support.

Here’s how to find jobs that offer fertility benefits, and make sure you’re getting the coverage you deserve:

• Ask directly (and confidently): During interviews, it’s okay to ask if the company’s health plan includes fertility coverage or if they partner with providers like Progyny, Maven, or Kindbody. It’s healthcare, not a perk — and asking shows you value transparency.
• Check the company’s benefits page: Many organizations list fertility coverage in their online benefits summaries. Look for phrases like “family-building benefits,” “fertility reimbursement,” or “egg freezing coverage.” These are green flags.
• Use job boards and filters: Sites like Glassdoor, Indeed, and Built In sometimes highlight companies with standout fertility benefits. Searching “fertility coverage” or “IVF benefits” alongside your role or industry can help narrow your options.
• Search employee reviews: Reddit threads and Glassdoor reviews are goldmines for real experiences. Look up posts about companies that cover IVF or jobs that offer fertility benefits 2025 to see what employees are actually saying about coverage quality.
• Look for fertility benefit partners: Employers that mention partnerships with Progyny, Carrot, Kindbody, or Maven Clinic almost always provide some level of IVF, surrogacy, or preservation coverage.
• Network with intention: If you’re comfortable, reach out to professional groups, women’s health communities, or LinkedIn networks. Fertility-friendly companies often gain word-of-mouth reputations long before official job listings mention it.
• Ask HR if you’re already employed: If your current company doesn’t yet offer fertility coverage, bring it up. More HR teams than ever are open to adding fertility benefits for employers — especially when employees show there’s real demand.

Finding a job that aligns with your fertility goals might take a little extra research, but it’s worth it.

Fertility benefits for employers: Why companies are investing

Offering fertility benefits shows that a company truly values its people. Employers that invest in reproductive healthcare tend to see higher retention, stronger loyalty, and improved morale across the board. Supporting fertility care also builds trust — employees feel seen, supported, and more likely to stay long-term when their family goals are part of the conversation.

As more companies adopt surrogacy-friendly insurance and comprehensive fertility care, they’re building workplaces that reflect real lives and modern families.

In 2025 and as we approach 2026, one thing’s clear: fertility coverage isn’t a “perk.” It’s a reflection of how much an employer truly values its people — and their futures.

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Kassi Strong is a writer and digital marketer who lives in Montana with her husband and son and their fluffy Great Pyrenees. She's passionate about helping women live the lives they dream of living and loves to create content that inspires them to do so. When she's not typing away at her laptop or color-coding her planner, she's likely trying a new DIY project, spending time in the mountains, or enjoying a local craft beer.