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

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: appears in the quote below)_
- **Mandate type:** mandate to cover _(our reading, not quoted from the source)_
- **IVF covered:** yes
- **Cycle or retrieval limit:** 4 egg retrievals, plus 2 more after a live birth _(verified: appears in the quote below)_
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** none stated
- **Employer size threshold:** 25 _(verified: appears in the quote below)_
- **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

## 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.

## 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/).