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Changes to Texas In-Vitro Fertilization Coverage

Nov. 5, 2025

(Applies to fully insured groups*)

Blue Cross and Blue Shield of Texas in-vitro fertilization plans, which are offered separately, have been updated.

What you need to know:

For plans that elect the separate in-vitro coverage offer, this benefit was expanded to all eligible individuals on the policy, including same-sex couples and single individuals. Our benefit books have been updated to describe eligibility for the IVF benefit as follows:

  • The patient is a covered participant under the plan.
  • The patient has a history of infertility of at least five continuous years
  • OR their infertility is associated with at least one of the following medical conditions: endometriosis, exposure in utero diethylstilbestrol (DES), blockage or surgical removal of one or both fallopian tubes, oligospermia.
  • The patient cannot obtain a successful pregnancy through any less costly treatment covered under this plan.
  • The IVF procedures are performed in a facility licensed and approved to provide IVF services under the appropriate state authority.

When does this change go into effect?

  • Upon renewal on or after Jan. 1, 2025

Background: Texas law requires that insurers offer separate plans for employers to purchase if they wish to cover IVF treatment/services.

*This article, or a similar version, is being shared with employer groups in the BlueVISION℠ newsletter or news alert.