South Central, Gulf States & Puerto Rico: IVF Clinics, CDC Cycle Data and Published Policies

ASRM lists no infertility coverage mandate for Kentucky but states that health benefit plans will cover oocyte and sperm preservation services when medically necessary treatment may cause iatrogenic infertility.

ASRM (ReproductiveFacts.org)

“Fertility Preservation: All health benefit plans will provide coverage for oocyte and sperm preservation services when a medically necessary treatment may directly or indirectly cause iatrogenic infertility to an insured.”

Source: reproductivefacts.org/patient-advocacy/state-and-territor… · checked Nov 2026

ASRM page lists 'Coverage Mandate: No'; coverage may include a lifetime limit of one cryopreservation procedure and storage for up to one year; religious and self-insured exemptions. KFF: 'Covered: Health insurance organizations, excluding self-insured and religious employers'.

State laws usually do not apply to self-funded employer plans. Check your own plan documents.

KFF lists Louisiana private insurance coverage as applying to health insurance organizations for cancer-related iatrogenic infertility.

KFF

“Louisiana Covered: Health insurance organizations for cancer-related iatrogenic infertility, excluding self-insured and religious employers”

Source: kff.org/womens-health-policy/state-indicator/infertility-… · checked Nov 2026

ASRM state page lists 'Coverage Mandate: No' and notes that Louisiana law does not require insurers to cover fertility drugs, in vitro fertilization, or other assisted reproductive techniques.

State laws usually do not apply to self-funded employer plans. Check your own plan documents.

ASRM's South Carolina page lists the state infertility coverage mandate as 'No'.

ASRM (ReproductiveFacts.org)

“Coverage Mandate 1 : No Scope of Mandate 2 : N/A Coverage Cap 3 : N/A”

Source: reproductivefacts.org/patient-advocacy/state-and-territor… · checked Nov 2026

KFF state indicator (as of November 2025) also lists private insurance coverage of infertility services for this state as 'Not Covered'.

State laws usually do not apply to self-funded employer plans. Check your own plan documents.

ASRM's Mississippi page lists the state infertility coverage mandate as 'No'.

ASRM (ReproductiveFacts.org)

“Coverage Mandate 1 : No Scope of Mandate 2 : N/A Coverage Cap 3 : N/A”

Source: reproductivefacts.org/patient-advocacy/state-and-territor… · checked Nov 2026

KFF state indicator (as of November 2025) also lists private insurance coverage of infertility services for this state as 'Not Covered'.

State laws usually do not apply to self-funded employer plans. Check your own plan documents.

ASRM states that accident and health insurers doing business in Arkansas must include IVF as a covered expense.

ASRM (ReproductiveFacts.org)

“Coverage Mandate 1 : Yes Effective 9/2/1991. All Accident and Health Insurance companies doing business in the state must include IVF as a covered expense. Ark. Code §§ 23-85-137(a), 23-86-118(a)”

Source: reproductivefacts.org/patient-advocacy/state-and-territor… · checked Nov 2026

Effective 9/2/1991. ASRM page also states the policy may include a lifetime maximum benefit of not less than $15,000 and that Insurance Commissioner guidance suggests the rule does not apply to HMOs. KFF: excludes HMOs and self-insured employers.

State laws usually do not apply to self-funded employer plans. Check your own plan documents.

KFF lists Oklahoma private insurance coverage as applying to health insurance organizations for cancer-related iatrogenic infertility.

KFF

“Oklahoma Covered: Health insurance organizations for cancer-related iatrogenic infertility, excluding religious employers”

Source: kff.org/womens-health-policy/state-indicator/infertility-… · checked Nov 2026

ASRM state page lists 'Coverage Mandate: No' and 'Fertility Preservation: No' (appears not to reflect this).

State laws usually do not apply to self-funded employer plans. Check your own plan documents.

We have not yet confirmed Puerto Rico’s infertility insurance law against an official source, so we do not state it here. See RESOLVE’s state-by-state coverage pages.