Fertility Benefit Design Options
| Benefit Level | Coverage | Typical Cost |
|---|---|---|
| Basic | Diagnostic testing; fertility medications | $2,000–$5,000 lifetime |
| Standard | IUI; IVF (1–2 cycles); medications | $15,000–$30,000 lifetime |
| Comprehensive | IVF (3+ cycles); egg freezing; surrogacy support | $50,000–$100,000 lifetime |
| Unlimited | All fertility treatments without lifetime maximum | Highly variable; significant cost risk |
Evidence-Based Fertility Protocols
Evidence-based fertility protocols reduce multiple gestation pregnancies — twins, triplets — which are the primary driver of high-cost fertility claims. Multiple gestation pregnancies have significantly higher rates of NICU admissions and complications. Protocols that limit the number of embryos transferred reduce multiple gestation rates and associated costs.
Fertility Benefits and Talent Competition
IQ Insight
Fertility benefits have become a significant talent differentiator, particularly for employers competing for younger workers. A 2024 survey found that 60% of employees under 35 consider fertility benefits important when evaluating job offers. Employers who offer comprehensive fertility benefits consistently report higher recruiting success and lower turnover among younger employees.