Florida

2025 Update

Additional coverage

For state group health insurance plan policies issued on or after January 1, 2026, the department shall provide coverage of medically necessary expenses relating to standard fertility retrieval and preservation services when cancer may directly or indirectly cause iatrogenic infertility.

Coverage of standard fertility retrieval and preservation services includes the costs associated with retrieving and preserving sperm and oocyte materials which are consistent with nationally recognized clinical practice guidelines and definitions.

Coverage for retrieval and storage expires after a period of 3 years after the date of the procedures presenting a risk of iatrogenic infertility or when the individual is no longer covered under the state group health insurance plan, whichever occurs first.

Exemptions

Self-insured employers

Statute

Section 110.12303, Subsection 7

Pre-2025

Coverage Mandate ¹:

Scope of Mandate ²:

N/A

Coverage Cap ³:

N/A

Requirements or Limitations on Coverage ⁴:

N/A

Exemptions ⁵:

N/A

Fertility Preservation:

Notes

¹ Does the state have a coverage mandate, Y/N. Include effective date of the mandate. Specify if the mandate is to “offer” services or to “cover” them.

²Which insurers are required to comply with the mandate. If not applicable, put N/A.

³Is there a cap (annual/lifetime)?

⁴Does the law impose age restrictions on eligibility for coverage? Does it limit the number of IVF cycles covered (or require at least a certain number of services be covered)? Does it mandate a waiting period? Other limitations? How is “infertility” defined? Is it inclusive (e.g.: does it apply only to married or -opposite sex couples, or is it inclusive?)

⁵What, if any, exemptions apply to coverage under the mandate? For example: an exemption for small businesses or religious organizations.

Resources For You

The American Society for Reproductive Medicine (ASRM) is committed to providing patients with the highest quality information about reproductive care.