Wondering What Your Plan Covers?
RMA of Michigan’s team can help you understand your options, whether or not your insurance covers fertility treatment.
As of September 2026, Michigan does not require private insurers to cover IVF or other fertility treatments, so most patients currently pay for these services out of pocket.
That is set to change. Michigan Senate Bill 922, introduced in the 2025-2026 legislative session, would mandate coverage of infertility treatment, including IVF and IUI, effective January 1, 2027. The bill is pending, not yet law, and this page will be updated as its status changes.
The Short Answer
What Michigan Law Says About IVF Coverage Right Now
Michigan currently has no state law requiring private insurers to cover fertility treatments. Whether your IVF, IUI, or related care is covered depends entirely on your specific plan, not on a state requirement.
- Many patients in Michigan currently pay for fertility treatment out of pocket, since coverage isn’t guaranteed.
- Some employers choose to offer fertility coverage voluntarily, even without a state mandate requiring it.
- Coverage details, like diagnostic testing, medication, and cycle limits, vary by plan and are worth confirming directly with your insurer.
What’s Changing
What Senate Bill 922 Would Change
Senate Bill 922 was introduced by State Senator Stephanie Chang (D-Detroit) in April 2026. Here’s what the bill actually proposes.
The requirement
Fully insured health plans delivered or renewed in Michigan would be required to cover the treatment of infertility, including IVF and IUI. Self-funded employer plans, which many large employers use, are governed by federal law (ERISA) and would not be required to follow it.
What’s covered
Coverage would include fertility diagnostic care, treatment, egg retrieval, and preservation services.
No preexisting-condition exclusions
Insurers could not impose preexisting-condition exclusions or arbitrary limitations on infertility treatment coverage.
Effective date
If enacted, coverage would take effect January 1, 2027.
Where it stands
The bill was introduced April 23, 2026, and referred to the Senate Finance, Insurance, and Consumer Protection Committee, where it remains pending.
Who’s behind it
Senate Bill 922 is sponsored by Senator Stephanie Chang, with companion legislation introduced in the Michigan House.
Where Things Stand
The Bill Is Pending, Not Yet Law
Until Senate Bill 922 passes and takes effect, Michigan’s current position stands: no state mandate, and coverage depends on your plan.
- This page will be updated as the bill’s status changes, so check back if you’re planning treatment.
- A pending bill can change during the legislative process, so the specifics here reflect the bill as introduced, not necessarily its final form if it passes.
- Ask your clinic or insurer for the most current information if you’re making decisions about treatment timing.
This is exactly why the law matters more than any assumption about what “probably” gets covered. What matters is your actual plan today, and the bill’s actual status if you’re timing treatment around it.
The Bigger Picture
How to Find Out What Your Plan Covers
The fastest way is to contact your insurance company directly and ask specifically whether your plan covers IVF, IUI, fertility diagnostic care, and fertility medication, and whether there are any limits or exclusions.
You can also ask your employer’s benefits team whether fertility coverage is part of your plan, since some Michigan employers offer it voluntarily even without a state requirement.
Questions to Ask Your Insurer About Fertility Coverage
- Does my plan cover IVF, IUI, or fertility diagnostic testing?
- Are there limits on the number of cycles or the dollar amount covered?
- Does my plan exclude infertility as a preexisting condition?
- Is fertility medication covered separately from the procedure itself?
- Would my coverage change if Senate Bill 922 is enacted?
What to Expect
Signs Your Plan May Already Offer Some Coverage
- Your employer is a large company that has opted into fertility benefits voluntarily.
- Your plan documents mention infertility diagnosis or treatment specifically.
- You have a rider or supplemental benefit for reproductive health.
- Your HR or benefits team confirms fertility treatment is included.
- Your plan covers diagnostic testing even if it excludes treatment like IVF.
Signs to Look Into Further
- Your plan is silent on fertility treatment entirely.
- Coverage documents mention infertility only for diagnosis, not treatment.
- You’ve only heard about coverage secondhand, not confirmed in writing.
- Your plan excludes any preexisting condition related to infertility.
- You’re assuming Senate Bill 922 already applies, when it is still pending.
Common Questions
Frequently Asked Questions
Does Michigan require insurance to cover IVF?
As of now, no. Michigan does not have a state law requiring private insurers to cover IVF or other fertility treatments, so coverage depends on an individual’s plan. A pending bill, Senate Bill 922, would mandate infertility treatment coverage including IVF and IUI effective January 1, 2027, but it is not yet law.
Will insurance cover IVF in Michigan in 2027?
If Senate Bill 922 is enacted, private insurers would be required to cover infertility treatment, including IVF and IUI, effective January 1, 2027. Self-funded employer plans, Medicare, and Medicaid would not be affected by this bill. Patients should speak with their companies HR benefit management team and ask if there is fertility coverage. The bill is still pending in the Michigan legislature.
What is Senate Bill 922?
Senate Bill 922 is a Michigan bill introduced in April 2026 by Senator Stephanie Chang that would require health insurers to cover the treatment of infertility, including diagnostic care and treatment such as IVF and IUI. It would bar preexisting-condition exclusions and take effect January 1, 2027, if enacted.
Is Senate Bill 922 law yet?
No. As of this writing, the bill is pending in the Senate Finance, Insurance, and Consumer Protection Committee. It has not passed and is not yet law.
How do I know if my insurance covers IVF?
Start with your employer’s HR or benefits team, since they can usually tell you faster than your insurer whether fertility coverage is part of your plan. Then contact your insurer directly to confirm whether your plan covers IVF, IUI, fertility diagnostic care, and fertility medication, and whether any limits or exclusions apply.
What should I do if my plan doesn’t cover IVF?
Ask your fertility clinic’s financial team about self-pay packages, payment plans, or financing options.
Will this page be updated as the bill’s status changes?
Yes. This is an evergreen page tied to pending legislation, and it will be reviewed as Senate Bill 922 moves through the Michigan legislature.
Why RMA of Michigan Patients Trust Our Team With Insurance Questions
- Straightforward answers about what your specific plan covers.
- Financial counselors who can walk through self-pay and financing options.
- Current information on legislation that could affect your coverage.
- A team that helps you plan treatment around your actual coverage, not assumptions.
- Locations in Troy and Livonia, Michigan.
Have Questions About Your Coverage?
Schedule a consultation to talk through your options, insurance or not.
