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

For Maryland, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is 3 IVF rounds per live birth; lifetime dollar cap is $100,000; age restriction is none stated, recorded from its source on 2026-08-15.

- **State:** Maryland _(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:** 3 IVF rounds per live birth
- **Lifetime dollar cap:** $100,000 _(verified: appears in the quote below)_
- **Age restriction:** none stated
- **Employer size threshold:** 50 _(verified: appears in the quote below)_
- **Self-insured plans exempt:** yes
- **Religious employer exempt:** yes
- **Prior treatment required:** no
- **Effective date:** not stated
- **Statute citation:** not stated

## What the source says

> With Maryland fertility insurance, you are golden. This insurance offers coverages not only to traditional heterosexual couples, but also same sex couples and unmarried patients. Those who qualify are entitled to undergo three IVF rounds for every live birth. There is, however, a $100,000 lifetime cap here. But, this coverage is not a requirement for religious employers, those with fewer than 50 employees, or those employers who self insure.

## 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/).