Insurance coverage
We’re here to take the guesswork out of what’s covered and what’s not, so you can focus on what matters most. Our team will help you understand your benefits and create a personalized plan that fits your goals and your budget.
What fertility treatments does insurance cover?
The answer? It depends on your plan.
Fertility benefits vary based on your insurance provider, employer coverage, and the state you live in. Some plans cover diagnostic testing only. Others may include fertility medications, IUI, IVF, or even fertility preservation options like egg freezing.
Here’s what to keep in mind:
- Coverage often depends on medical necessity, age, and diagnosis
- Some plans require pre-approval or predetermination before starting treatment
- Out-of-pocket costs may still apply—even if your plan offers coverage
Pro tip: The best way to get the full picture is to call your insurance company directly. Then, connect with one of our financial coordinators to build a clear, realistic plan.
What fertility treatments does insurance cover?
The answer? It depends on your plan.
Fertility benefits vary based on your insurance provider, employer coverage, and the state you live in. Some plans cover diagnostic testing only. Others may include fertility medications, IUI, IVF, or even fertility preservation options like egg freezing.
Here’s what to keep in mind:
- Coverage often depends on medical necessity, age, and diagnosis
- Some plans require pre-approval or predetermination before starting treatment
- Out-of-pocket costs may still apply—even if your plan offers coverage
Pro tip: The best way to get the full picture is to call your insurance company directly. Then, connect with one of our financial coordinators to build a clear, realistic plan.
What we’ll help you with
We know this can be confusing, so we’re here to simplify it.
Our financial coordinators will:
- Review your insurance coverage and explain what’s included
- Help gather and submit documents for pre-authorization or predetermination
- Coordinate with your provider and insurance to minimize delays
- Offer additional payment options if your plan doesn’t cover certain services
What you may need for
pre-authorization
Depending on your plan, your insurance provider may request the following:
- Physician notes and clinical history
- Bloodwork (including Day 3 FSH and Estradiol)
- Semen analysis
- Saline sonogram (SIS) or HSG reports
Timing matters: Pre-authorization may take up to 14 days. Some determinations may take longer.
What you may need for
pre-authorization
Depending on your plan, your insurance provider may request the following:
- Physician notes and clinical history
- Bloodwork (including Day 3 FSH and Estradiol)
- Semen analysis
- Saline sonogram (SIS) or HSG reports
Timing matters: Pre-authorization may take up to 14 days. Some determinations may take longer.
Accepted insurance plans
We work with a wide range of insurance providers, including:
- Aetna
- Anthem Blue Cross
- Blue Shield of California
- Brown & Toland (HMO)
- Cigna Healthcare (PPO & OAP)
- First Health Network
- Great West Healthcare (PPO)
- Health Net
- Hill Physicians Medical Group
- Progyny
- Carrot
- WINFertility
- Sutter Select
- Tricare
- United Healthcare
- Aetna
- Anthem Blue Cross
- Blue Shield of California
- Brown & Toland (HMO)
- Cigna Healthcare (PPO & OAP)
- First Health Network
- Great West Healthcare (PPO)
- Health Net
- Hill Physicians Medical Group
- Progyny
- Carrot
- WINFertility
- Sutter Select
- Tricare
- United Healthcare
Don’t have coverage?
You still have options.
Don’t have coverage? You still have options.
Fertility care should never be out of reach. If your insurance plan doesn’t cover treatment, we can help you explore flexible financing options through trusted third-party programs.