North Dakota does not currently require insurance plans to cover fertility treatments such as IVF or IUI. Many residents pay out-of-pocket or use financing programs offered by clinics.

Some employers in North Dakota voluntarily include fertility benefits — ask your HR department. Clinical financing, grant programs (e.g., RESOLVE), and shared-risk IVF programs may also help reduce costs.

Full state-by-state insurance guide

Fertility Guides for North Dakota Residents

How to Choose a Fertility Clinic IVF Success Rates by Age — CDC Data Egg Freezing — Complete Guide

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State has an insurance mandate for fertility treatments