Infertility Coverage with ObamaCare

A great opportunity to get insurance coverage for infertility treatment.


Infertility Insurance Through ObamaCare

At IVF1, our insurance professionals are experts in infertility and IVF insurance coverage. When you become a patient, we help you find the coverage you need for treatment.

Do you lack insurance coverage for infertility treatment?

Although the state of Illinois mandates employers cover infertility testing and treatment, there are a number of employers who are exempt. This includes employers who:

  • Have less than 25 employees.
  • Are self-insured* (most large corporations).
  • Are religiously affiliated.
  • Have policies written outside the state of Illinois.

*Self insured means that the employer pays any benefits themselves, while the insurance company just helps process the paperwork.

The Affordable Care Act (ObamaCare) provides a way to for people to get insurance coverage without having to go through their employer. There are numerous policies available through the Illinois Healthcare Exchanges that have coverage for infertility, including IVF!

Hundreds of our couples who purchased policies through the Illinois Marketplace in 2014-2016 had coverage for fertility treatment, including IVF.

Click here to go to the Illinois Healthcare Exchange website.

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How to make sure your Obamacare policy covers infertility and IVF

Illinois law requires most employers to provide insurance coverage for infertility and IVF. However, there are some exceptions. What can you do if your employer doesn’t provide insurance coverage for infertility or IVF? You can get insurance coverage that includes IVF through the Illinois Healthcare Marketplace! This is the central website where Illinois residents can go to buy insurance policies from common insurance companies like Blue Cross and Cigna.

Here is a quick run down on how to make sure that the insurance policy you purchase will cover infertility and IVF:

  • Step 1: Create an account (or log into your existing account).
  • Step 2. You will be asked to specify where you live. Select Illinois, and then start your application.
  • Step 3. You will be asked to answer questions about your address, income, social security number, and who in your family you want to cover. The most important person to get covered is the person who is trying to get pregnant. If your income is low enough, you might qualify for discounts on the monthly premiums.
  • Step 4. Once you have that completed, you will be presented with a list of insurance policies you can purchase. You can choose to filter plans by things like deductibles and premiums.
  • Step 5. For each policy, you will see information to help you decide on the right plan for you, including deductibles and out of pocket maximums. Note: To make sure that your selected plan allows you to come to IVF1, click the “Add Your Medical Providers” link and add Randy Morris M.D. You can also make sure that your fertility medications will be covered by using the “Add Your Prescription Drugs” link.
  • Step 6. Next, click the link labeled “Plan Details.”
  • Step 7. Scroll to the bottom of the page to where is says “Other Services.” Click the drop down arrow on the right to open that section. Look for the line marked “Infertility Treatment.” It will tell you whether this plan covers infertility treatment and the in network and out of network costs. To make sure that IVF is covered, click the link below Infertility Treatment called “View Limits and Exclusions.” If this plan covers IVF, you should see this in the popup window. Look for this statement: “Infertility treatment (covered for four procedures per benefit period).” This means that this policy will cover all infertility diagnostic tests and treatments, including IVF. This type of policy will provide you with coverage for four IVF egg retrievals each year (including egg donor retrievals) plus as many frozen embryo transfers as you need. If you see only the words “Limitations vary based on the procedures performed”, then beware! This type of policy may have more limited infertility coverage and may NOT cover IVF. You will have to look at a copy of the full policy to see what is covered.

Patient Testimonials

He is a very professional and good doctor. the whole clinic is very nice. all the staff are amazing. The doctor operated on me for endometriosis and I got pregnant during the second IVF. we have a wonderful 1 year old son. thank you doctor we still have an embryo, I think I will definitely come back to you in a year or two.

Ziva Ru

Amazing staff. They made us feel like family. They cried when I called to tell them the birth of our daughter. Starting round two next month. Simply the best. They care!

BT Warner

The staff is amazing here. I’m in the middle of IVF and had an issue with a medication and they went above and beyond to make sure everything was done to continue our journey (on the weekend no less); truly above and beyond. The staff are very caring and professional. Definitely recommend Dr. Morris and this amazing practice.

Megan Buetikofer

I don't even know where to start...THANK YOU! Thank you for giving us our son. We went through a year of IVF. Although there may have been things I didn't want to hear (chances of pregnancy, factors out of our control, etc.) it was important to hear the truth and know what our chances were. The staff was always great with us and they were very patient. They really have everything figured out and what the best options out for outcomes. I never felt pressured to make certain decisions and always felt well informed. Again, I can't thank Dr. Morris and all his staff for everything!!!

Lauren Throm

I’m so grateful to have been referred to Dr. Morris and his team! I’ve spent the last month or so working with the team and they’ve made what is naturally a hard process both mentally and physically as comforting and easy as possible. Dr. Morris’s success rates speak for themselves, but what I want to let everyone know is that he is equally comforting. A special thank you to Jocelyne, Pam and Barbie, these three women on his staff from front desks to RNs really have made the experience an extremely positive one. PS. My cousin who referred me to Dr. Morris has a smart, healthy and beautiful baby boy who he helped bring into this world!

Alex Villa

Dr. Morris and staff were very friendly. Dr. Morris was very informative and patient with answering all questions I had. We were uncertain on the options and next steps to take and Dr. Morris explained all the details and options we have. Excellent staff and a great doc.

Jenita Crawford

Dr. Morris is by far the best fertility doctor! When I transferred to IVF1 from my previous fertility doctor, he read all my medical records in depth. Never once did I feel stressed or unsure of what was happening. The entire staff there is so nice and make you feel so comfortable. It was so easy to schedule appointments, get medications, or ask a nurse a question. My calls were always returned within 20 minutes. I highly recommend IVF1! Dr. Morris made it possible for us to get pregnant!


I honestly can’t praise this company enough. Dr. Randy Morris bedside manner is absolutely amazing, his staff professionalism and customer service is also amazing. Your experience with this company will be nothing but perfect. From the initial call to the receptionist. To speaking with the nursing staff, billing, etc. everyone wants to help you with family planning. No matter what my outcome is, I know I’m with a co that will make sure I have the best chances. Thank you to Dr Randy Morris and Staff a bunch!

Misty Johnson

Thanks to Dr.Morris I am holding today my little dream girl. I don't have enough words to express how thankful I am to him and everyone working in IVF1 Naperville. Highly recomend Dr.Morris and his clinic to everyone looking for real professional help and attitude!

Petya Vasilev
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