Insurance Information

At Laurel Fertility Care, our clinical and patient service teams are focused on your success. We develop every treatment plan specifically for each patient, keeping our goal of pregnancy the priority, while also keeping financial concerns in mind. Still, we understand the financial constraints associated with fertility treatments

An important aspect of planning for your fertility care is understanding which procedures your insurance will cover and which they won’t. Fertility benefits may vary from patient to patient and from provider to provider.

Here are a few key points about insurance coverage by major plans to help you manage expectations of coverage. The information provided is for informational purposes only and is not a commitment of coverage.


– Approximately 4-7 business days from submission of your paperwork by your referring physician.
– Predetermination letter may require 30-days.


– Clinical history including physician notes
– Blood work, Day-3 FSH, Estradiol
– Semen analysis
– X-Ray – saline sonogram or HSG reports.

Plans may require patients meet criteria for medications, even if procedures have already been approved.

Our dedicated financial coordinators can help to answer the many questions about costs and insurance coverage. We can help you navigate the complexities and provide some basic guidelines of the financial process. Although we can find out some aspects of your benefits, your insurance company can provide more complete information about your coverage directly to you. Our financial coordinators will then work with you and create a financial plan based on your coverage.

In some situations these treatments may not be covered at all. If that is the case you still have options. We have partnered with several programs that provide different types of financing for fertility care. Our finance specialists will guide you through the process of selecting the right financing package for you. These programs are designed to eliminate the obstacles in order to achieve your dream of having a family.

Accepted Insurance Plans

  • Aetna
  • Anthem Blue Cross
  • Blue Shield of California
  • Brown & Toland (HMO)
  • Cigna Healthcare (PPO & OAP)
  • First Health Network
  • Great West Healthcare (PPO)
  • Healthnet
  • Hills Physicians Medical Group
  • Progyny
  • Carrot
  • WIN Managed Care
  • Sutter Select
  • Tricare
  • United Healthcare

We are happy to help you with your insurance questions, please call 415-673-9199 to speak with one of our billing specialists. Our staff will work with you to help you understand your coverage and benefits.

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Our Commitment to Inclusivity

We take pride in ensuring that each person who enters our clinic feels comfortable and heard. That's why each member of the Laurel Fertility Care team has earned a certification in LGBTQ+ inclusion.

Third Party Reproduction

What is Third Party Reproduction?

In some cases a third party, such as a donor and/or a gestational carrier is needed.

Why Laurel Fertility Care?

We offer a supportive, inclusive, and knowledgeable team to guide you when you’re ready to pursue your dream of a family. Our team is dedicated to providing you with personalized care that is full of hope!

You Treatment Options

Our team of specialists is here to create a personalized care plan for you. Learn more about our treatment options and what works best for you and your family.