Articles & Guides
Plain-English guides written for fertility patients. Reviewed, sourced, no fluff.
State-by-State US IVF Mandate Comparison Chart: 2026 Update
A 2026 comparison of US state IVF insurance mandates: which states require coverage, how many cycles, ERISA caveats, and where coverage is v...
New York's IVF Insurance Mandate: How to Make It Work for You
How to use the New York IVF insurance mandate: large group coverage of three cycles, the ERISA self-insured exemption, and the HR question s...
Employer Fertility Benefits in 2026 — What Is Actually Covered and How to Negotiate
How Progyny, Carrot, Maven, and Kindbody benefits actually work in 2026, and how to negotiate a fertility benefit at your employer.
Illinois Infertility Insurance: What's Actually Covered in 2026
Illinois has one of the strongest IVF mandates in the US: four retrievals and six embryo transfers covered. Eligibility, ERISA exemption, an...
New York Infertility Mandate: Three IVF Cycles Explained
A detailed walkthrough of the New York three-cycle IVF mandate: who qualifies, how cycles are counted, ERISA exemption, and how to maximize...
Canada's Medical Expense Tax Credit for Fertility — How to Actually Claim It
How to claim fertility treatment, medications, surrogacy, and travel under the Canadian Medical Expense Tax Credit — with worked examples.
California AB-2029: Large-Group IVF Mandate Effective 2026 Deep Dive
California's AB-2029 large-group IVF mandate took effect in 2026. Coverage details, eligibility, ERISA exemption, and how to confirm your pl...
Texas Fertility Care: No Mandate, Major Employer Benefits, and Texas Fertility Hubs
Texas has no state IVF mandate, but major employer benefits and strong fertility hubs in Houston, Dallas, and Austin shape access. A practic...
HSA and FSA Dollars for Fertility Care in the US — What Is Eligible
What fertility expenses qualify for HSA and FSA in 2026, how to time contributions, and how to maximize pre-tax IVF dollars.
Massachusetts IVF Coverage: The Longest-Standing IVF Mandate in the US
Massachusetts has the longest-standing IVF mandate in the US, dating to 1987. Comprehensive coverage, no cycle caps, and how to navigate it...
The ERISA Gap: Why Your State IVF Mandate May Not Apply
Your state has an IVF mandate but your employer plan is self-insured under ERISA. Here is what that means and the exact HR script to confirm...
CapexMD vs Future Family vs Prosper Healthcare — Fertility Loans Honestly Compared
Honest comparison of CapexMD, Future Family, and Prosper Healthcare fertility loans — rates, terms, and the cheaper alternatives.