# Delaware — State insurance mandates for fertility treatment and IVF coverage

For Delaware, mandate type is mandate to cover; ivf covered is limited; cycle or retrieval limit is 6 egg retrievals with unlimited embryo transfers; lifetime dollar cap is no statutory cap; age restriction is egg retrieval before age 45, embryo transfer before age 50, recorded from its source on 2026-08-15.

- **State:** Delaware _(verified: appears in the quote below)_
- **Mandate type:** mandate to cover _(our reading, not quoted from the source)_
- **IVF covered:** limited _(verified: appears in the quote below)_
- **Cycle or retrieval limit:** 6 egg retrievals with unlimited embryo transfers
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** egg retrieval before age 45, embryo transfer before age 50 _(verified: appears in the quote below)_
- **Employer size threshold:** not stated
- **Self-insured plans exempt:** not stated
- **Religious employer exempt:** not stated
- **Prior treatment required:** no
- **Effective date:** not stated
- **Statute citation:** not stated

## What the source says

> Delaware fertility insurance offers an array of services that includes IVF with eggs, sperm, or embryos from a donor, and even allows for a surrogate or gestational carrier. You are even entitled to six egg retrievals with unlimited embryo transfers. But there is a hitch. This coverage is restricted to those with iatrogenic infertility, or fertility issues as a result of a medical treatment such as chemotherapy, surgery, or radiation. Also, any egg retrieval must be done before age 45 and any embryos transferred before age 50.

## Source

- https://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up

Last verified: 2026-08-15. Review by: 2027-02-11.
Part of [State insurance mandates for fertility treatment and IVF coverage](https://referencesource.org/state-fertility-insurance-mandates/).