# Rhode Island — State insurance mandates for fertility treatment and IVF coverage

For Rhode Island, mandate type is mandate to cover; ivf covered is yes; cycle or retrieval limit is no statutory limit; lifetime dollar cap is $100,000; age restriction is age 25 to age 42, recorded from its source on 2026-08-15.

- **State:** Rhode Island _(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:** $100,000 _(verified: appears in the quote below)_
- **Age restriction:** age 25 to age 42
- **Employer size threshold:** all group sizes
- **Self-insured plans exempt:** not stated
- **Religious employer exempt:** not stated
- **Prior treatment required:** no
- **Effective date:** not stated
- **Statute citation:** not stated

## What the source says

> The Rhode Island fertility coverage is mandated for all of those with an HMO or other insurance policy that includes pregnancy coverage. Beginning at age 25 and extending up to age 42, women here with such a plan are entitled to coverage for diagnosis and treatment of infertility. Also, if someone is undergoing a procedure that may result in infertility, insurers must cover fertility preservation treatment. There is, however, a $100,000 lifetime treatment cap.

## 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/).