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

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

- **State:** Montana _(verified: appears in the quote below)_
- **Mandate type:** mandate to cover _(our reading, not quoted from the source)_
- **IVF covered:** no _(verified: appears in the quote below)_
- **Cycle or retrieval limit:** N/A
- **Lifetime dollar cap:** no statutory cap
- **Age restriction:** none stated
- **Employer size threshold:** HMO plans only
- **Self-insured plans exempt:** yes
- **Religious employer exempt:** yes
- **Prior treatment required:** no _(verified: appears in the quote below)_
- **Effective date:** not stated
- **Statute citation:** not stated

## What the source says

> Missouri No fertility insurance mandate here. Coverage is up to individual employers and providers. Montana

## 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/).