Connecticut law (Conn. Gen. Stat. 38a-509 and 38a-536) requires individual and group health insurance to cover medically necessary diagnosis and treatment of infertility, including IVF. Insurers may limit IVF to 2 lifetime cycles and coverage to people under 40, and may ask for less costly treatment first. Since January 1, 2018 the law uses a broader definition of infertility and also covers fertility preservation; Connecticut Medicaid excludes these services. Picture as of October 2026.
| Point | Connecticut rule |
|---|---|
| Treatments covered | Ovulation induction, intrauterine insemination, IVF, uterine embryo lavage, embryo transfer, GIFT, ZIFT and low tubal ovum transfer |
| Definition of infertility (since January 1, 2018) | Unable to conceive or sustain a successful pregnancy during a one-year period, or a condition for which treatment is medically necessary |
| Lifetime cycle limits insurers may set | 4 cycles of ovulation induction, 3 of IUI, 2 of IVF, GIFT, ZIFT or low tubal ovum transfer, with no more than two embryos implanted per cycle |
| Age limit insurers may set | Coverage until the 40th birthday |
| Treatment order | IVF and similar procedures may be limited to cases where less expensive, medically viable treatments have failed, unless the physician expects them to fail |
| Facilities | Must meet ASRM and SREI guidelines |
| Fertility preservation | Covered, effective January 1, 2018 |
| Religious exemptions | Religious employers may exclude methods contrary to their tenets; individuals may request in writing a policy or rider excluding such methods |
| Medicaid | Excludes these services (Conn. Admin. Code 17b-262-342(8)) |
Sources: ASRM ReproductiveFacts.org, Connecticut page (accessed October 2026); Connecticut General Assembly, 2017 amendment LCO No. 7854.
The age and cycle limits are what the 2017 statute text allows insurers to set; your policy may be more generous. Whether a later law changed the age-40 limit could not be confirmed. KFF's table (May 2020) dates the original law to 1989 and 2005.
Connecticut's mandate binds state-regulated insurance. It does not apply to self-insured employer plans (KFF notes they are excluded), and nationally those plans cover 67% of workers with employer coverage (healthinsurance.org, June 2026). Look at your plan documents or ask HR whether your plan is self-insured.
If a policy can stop covering treatment at 40, knowing when to seek help matters even more. Map to the Positive gives these cutoffs for how long to try before an evaluation:
| Age | How long before evaluating |
|---|---|
| Under 30 | 12 months |
| 30 to 34 | 12 months |
| 35 to 37 | 6 months |
| 38 to 40 | 6 months |
| 41 to 42 | 3 months |
| Over 43 | Immediate evaluation |
From Map to the Positive, Chapter 29, based on ESHRE, ASRM and NICE guidance.
The book adds that for women between 35 and 40, every additional 6 months of waiting can mean a measurable drop in the success rate of future treatments.
The cutoffs open Station IV of Map to the Positive, in Chapter 29, together with the red flags that justify seeing a specialist even sooner. The station continues with choosing a doctor, the treatment ladder and IVF step by step.
Take 30 days. If it does not give you more clarity than everything you have read for free so far, ask for a refund and you get every cent back. We cannot promise you a pregnancy. We can promise you will not be guessing.
References: State and Territory Infertility Insurance Laws: Connecticut (ASRM ReproductiveFacts.org) (accessed 2026-10-30) · Amendment LCO No. 7854 (2017) to Conn. Gen. Stat. 38a-509 and 38a-536 (Connecticut General Assembly) (2017) · Coverage and Use of Fertility Services in the U.S., Appendix 1: Private Insurance (KFF) (2020-05) · Q. Does the ACA require infertility treatment to be covered by health insurance? (healthinsurance.org) (2026-06-18)