15 Companies That Offer Fertility Benefits, and What You Need to Know About Each

Getting pregnant is not always as simple as middle school Sex Ed made it sound. For many people, IVF or egg freezing becomes part of the plan, and the costs add up fast. The average IVF cycle can cost between $15,000 and $25,000, often before medications, storage, or travel.

Only 20 states mandate some level of fertility coverage, and definitions vary. That means many people rely on employer benefits to make treatment possible.

In 2026, more companies are stepping up with IVF, surrogacy, adoption, and fertility preservation coverage. Here’s what that actually looks like.

Why more employers are offering fertility benefits in 2026

Fertility coverage has shifted from optional perk to competitive advantage. As employees talk more openly about family building and costs continue to rise, companies are responding.

According to Carrot’s Global Fertility at Work report, 65% of people would change jobs for fertility benefits, and 72% would stay longer if they had access. For HR teams, that makes fertility coverage both compassionate and strategic.

Which companies cover IVF and other fertility treatments

Today’s employer fertility benefits often go beyond just one IVF cycle. Many plans now include medications, egg freezing, surrogacy, and adoption support, such as:

• Starbucks: Up to $25,000 for IVF, plus medication coverage for part- and full-time employees.
• Google: Up to $75,000 for IVF and fertility preservation.
• Adobe: Covers 80–90% of pre-certified fertility services, with a $60,000 lifetime cap.
• American Express: Reimburses $35,000 for fertility treatments.
• Walmart: Offers $20,000 toward IVF, surrogacy, or adoption through Kindbody.

Surrogacy-friendly insurance: Coverage and support

For intended parents using a surrogacy-friendly plan, coverage may include agency, legal, or medical costs. This support can be especially meaningful for LGBTQ+ employees or anyone who cannot carry a pregnancy.

Companies offering surrogacy support include:

• Starbucks: $10,000 in surrogacy assistance.
• Pinterest: $20,000 in surrogacy support.
• American Express: $35,000 for surrogacy expenses.
• Disney: Up to $75,000 through Progyny
• Tesla: $25,000 for donor and surrogacy services through Kindbody.

Egg freezing and fertility preservation benefits

Fertility preservation, including egg freezing, is one of the fastest-growing workplace benefits. It gives employees more flexibility around timing and family planning.

Companies offering preservation coverage include:

• Google: Egg freezing included within its $75,000 benefit.
• Adobe: Freezing and storage for sperm, eggs, and embryos.
• Chobani: Egg and sperm freezing alongside IVF cycles.
• Disney: Egg and sperm freezing included in its fertility package.
• Spotify: Unlimited IVF coverage with PGT testing.

Adoption assistance programs

Many employers now include adoption reimbursement to help cover agency, legal, and travel costs.

Companies with adoption support include:

• Starbucks: $10,000 in adoption assistance.
• Walmart: $20,000 in adoption benefits.
• Pinterest: $5,000 for adoption.
• Bank of America: $20,000 for adoption-related expenses.
• Tesla: Up to $25,000 for adoption services.

15 companies with fertility benefits

Let’s be honest: fertility care isn’t cheap. But these companies are making it a little easier by offering real support for IVF, surrogacy, and adoption. They’re proving that growing your family shouldn’t mean draining your savings.

1. Starbucks

Starbucks offers family-expansion reimbursement through Progyny, including IVF, fertility preservation, adoption, and surrogacy, and part-time employees can qualify, which is rare.

• Up to $25,000 for IVF
• Up to $10,000 for IVF-related medications (per qualifying event)
• Up to $10,000 for adoption or surrogacy

2. Lowe’s

Lowe’s provides fertility support through Progyny, which can include IVF treatment, medications, and access to fertility networks. The company also offers adoption assistance.

• IVF + fertility medications (plan-dependent)
• Up to $5,000 adoption support
• Progyny network access

3. Walmart

Walmart partners with Kindbody to provide nationwide fertility and family-building support for employees. Benefits include treatment, medication coverage, and parental leave.

• $20,000 for IVF, surrogacy, or adoption
• $10,000 for medications
• Paid parental leave (16 weeks birth parents; 6 weeks adoptive/foster)

4. Adobe

Adobe offers comprehensive fertility coverage for IVF, IUI, testing, and fertility preservation, including storage.

• 80–90% coverage for pre-certified fertility services
• $60,000 lifetime maximum

5. American Express

American Express reimburses employees for fertility treatment, surrogacy, and adoption, alongside generous parental leave.

• $35,000 for fertility treatments
• $35,000 for adoption or surrogacy
• 20 weeks paid parental leave

6. Bain & Company

Bain offers one of the most generous models on this list, removing traditional caps for IVF treatment.

• Unlimited IVF coverage
• 21 weeks paid parental leave

7. Bank of America

Bank of America provides reimbursement for fertility, surrogacy, and adoption expenses, plus access to support tools.

• Up to $20,000 for family-building expenses
• Care navigation support (plan-dependent)

8. Chanel

Chanel offers expansive fertility coverage with minimal cycle restrictions, depending on plan selection.

• Unlimited IVF coverage
• Medication coverage varies by plan

9. Chobani

Chobani includes fertility treatment and preservation benefits as part of its broader family-focused package.

• Up to 3 IVF rounds
• Coverage for egg or sperm freezing

10. Gusto

Gusto offers inclusive fertility reimbursement for employees, including LGBTQ+ team members regardless of medical infertility status.

• Up to $20,000 for fertility procedures

11. Google

Google provides extensive fertility and preservation benefits through a structured reimbursement model.

• Up to $75,000 in IVF coverage
• Egg freezing and fertility testing included
• “Baby Bonding Bucks” for new parents

12. Pinterest

Pinterest expanded its fertility benefits globally, covering multiple IVF rounds and family-building support.

• Up to 4 IVF cycles
• $20,000 for surrogacy
• $5,000 for adoption

13. Spotify

Spotify offers one of the strongest family-building packages in tech, including unlimited fertility treatment coverage.

• Unlimited IVF coverage, including PGT testing
• 6 months fully paid parental leave

14. The Walt Disney Company

Through Progyny, Disney provides a robust suite of fertility services, surrogacy, and preservation coverage.

• Up to $75,000 for fertility, surrogacy, and egg/sperm freezing

15. Tesla

Tesla’s partnership with Kindbody ensures that all employees can access top-tier fertility care.

• $40,000 for IVF, IUI, and preservation
• $20,000 for medications
• $25,000 for donor or surrogacy services
• $25,000 for adoption

How fertility coverage is structured

Most employer fertility benefits fall into one of three models:

• Lifetime maximum: A total dollar cap for all treatment.
• Per cycle or per event: A set amount for each IVF attempt.
• Unlimited coverage: Rare, but removes traditional caps.

This matters because IVF often requires more than one cycle. A lifetime cap can be used up quickly, while per-cycle coverage may stretch further.

If your employer partners with Progyny, Kindbody, Maven, or Carrot, they may offer care navigation and simplified billing. Still, confirm medication caps, storage fees, and in-network requirements before starting treatment.

That clarity can make a major difference, both financially and emotionally.

Understanding fertility benefit providers

Many employers use third-party partners to manage fertility coverage. These companies help coordinate care, approve treatment, and connect employees with clinics:

• Progyny: Offering structured “Smart Cycle” benefits, clinic networks, and care coordination support for employees.
• Kindbody: Combines in-house fertility clinics with benefit management, offering treatment, preservation, and family-building services under one brand. Used by companies like Walmart and Tesla.
• Carrot Fertility: Known for its flexibility, Carrot offers global coverage and reimbursement options that include IVF, surrogacy, adoption, and menopause support.
• WINFertility: A long-standing option for smaller employers, WIN offers cost-sharing programs and personalized nurse support for fertility patients.
• Maven Clinic: Focuses on telehealth and holistic care, helping employees navigate fertility, pregnancy, postpartum, and beyond through a single app.

Some focus more on structured insurance-style coverage. Others emphasize digital navigation and support. Either way, they simplify access compared to traditional insurance alone.

The key is knowing which model your employer uses and how your benefits are capped.

What companies offer Progyny benefits

Progyny has quickly become the gold standard for fertility coverage, and for good reason. Employers partner with Progyny to offer smarter, more flexible benefits that prioritize quality care over quantity of cycles.

You’ll find Progyny fertility coverage at:

• Starbucks: Fertility, surrogacy, and adoption benefits for part-time and full-time employees.
• Disney: Up to $75,000 in fertility, surrogacy, and egg-freezing services.
• Google: Extensive IVF and preservation coverage through Progyny.
• Lowe’s: Fertility medication and treatment support for retail and corporate employees.
• Bank of America: Family-building reimbursement and care concierge access.
• Bain & Company: Unlimited IVF coverage paired with Progyny’s care management tools.
• Chanel: High-end coverage with minimal restrictions on IVF cycles.

Jobs that cover IVF: Finding employment with fertility benefits

Finding a job that supports your fertility journey can feel like a game-changer, especially when you’ve seen how high the costs of treatment can climb. The good news? Fertility benefits are no longer limited to big tech or healthcare. More industries than ever are offering support for IVF, surrogacy, and egg freezing, creating real options for people at every career level.

Whether you’re just starting your career, looking for a new role, or re-entering the workforce while trying to conceive, it’s worth knowing which jobs that offer IVF coverage are out there, and what to look for when reviewing benefits packages.

Part-time jobs that cover IVF

If you thought you needed a full-time corporate role to access fertility benefits, think again. A growing number of companies are proving that part-time employees deserve the same level of support when it comes to starting a family.

Starbucks is the pioneer here, but several other brands are beginning to follow its lead. If you’re job-hunting, keep an eye out for roles that mention Progyny or Kindbody in their benefits descriptions: it’s usually a sign they’ve invested in real fertility coverage.

Here are a few part-time jobs that cover IVF or family-building benefits:

• Starbucks: Offers up to $25,000 for IVF, $10,000 for medications, and $10,000 for surrogacy or adoption; all available to part-time baristas through Aetna and Progyny.
• Trader Joe’s: Provides comprehensive health benefits for part-time workers, which can include fertility care depending on location and tenure.
• Costco: Offers medical plans for part-time employees that may include reproductive health benefits, including IVF coverage in select states.
• Lowe’s: Offers IVF and fertility coverage to eligible hourly employees through Progyny, making it another strong option for those in retail.

How to check what your employer actually covers

Before you plan treatment, ask HR (or your benefits portal) for the plan details and look for these specifics:

• Is coverage a lifetime cap, per cycle/event, or unlimited?
• What’s covered for medications, and is there a separate cap?
• Do you need to use in-network clinics? Any travel support?
• Are PGT-A, donor services, and fertility preservation included?
• What’s covered for storage fees, and for how long?
• Is there reimbursement for adoption and surrogacy (and what counts as eligible)?
• Which provider runs the benefit (Progyny, Kindbody, Maven, Carrot, WINFertility), and do you get a care navigator?

This is the part that saves you money and stress, because fertility coverage is only helpful when you know how it works.

Fertility benefits for employers: Why companies are investing

Offering fertility benefits is one of the clearest ways a company can support real life, not just work life. For employees, it can be the difference between “we’ll see someday” and “we can actually plan.”

If you’re navigating fertility treatment now (or keeping your options open for later), the best next step is simple: check your coverage details and ask the questions that affect cost the most. You deserve support that’s real, not vague.