Illinois
For Illinois, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is 4 egg retrievals, plus 2 more after a live birth; lifetime dollar cap is no statutory cap; age restriction is none stated, recorded from its source on 2026-08-15.
- State
- Illinois verified
- Mandate type
- mandate to cover our reading
- IVF covered
- yes
- Cycle or retrieval limit
- 4 egg retrievals, plus 2 more after a live birth verified
- Lifetime dollar cap
- no statutory cap
- Age restriction
- none stated
- Employer size threshold
- 25 verified
- Self-insured plans exempt
- not stated
- Religious employer exempt
- not stated
- Prior treatment required
- yes — must try lower-cost treatments first
- Effective date
- not stated
- Statute citation
- not stated
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
Illinois With Illinois fertility insurance coverage, provided you have tried lower-cost treatments under your insurance umbrella first without success, you do have coverage for IVF, GIFT, and ZIFT. What’s more, you get four bites at the apple and if you are successful and a live birth occurs, you’re actually entitled to two more covered egg retrievals. But this only applies to work-related group policies that cover more than 25 full-time employees.
— cofertility.com, retrieved 2026-08-15
Source
- cofertility.comhttps://www.cofertility.com/family-learn/fertility-insurance-mandates-how-does-my-state-stack-up