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

For Massachusetts, 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:** Massachusetts _(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:** all group sizes
- **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:** not stated

## What the source says

> There’s also no state lifetime cap on the amount of fertility insurance available and no limit on the number cycles. But, insurers are able to use their clinical guidelines and patient’s medical histories to set some limits here. Massachusetts

## 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/).