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

For Maine, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is no statutory limit; lifetime dollar cap is no statutory cap; age restriction is none stated, recorded from its source on 2026-08-15.

- **State:** Maine _(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:** no statutory limit
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** none stated
- **Employer size threshold:** not stated
- **Self-insured plans exempt:** not stated
- **Religious employer exempt:** not stated
- **Prior treatment required:** no _(verified: appears in the quote below)_
- **Effective date:** not stated
- **Statute citation:** 24-A MRSA §4320-S _(verified: appears in the quote below)_

## What the source says

> If your employer self-insures, then even if you would be eligible otherwise, there’s no requirement that you be covered. Religious employers may also opt out. Maine Under <https://law.justia.com/codes/maine/title-24-a/chapter-56-a/subchapter-1/> 24-A MRSA §4320-S

## 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/).