Infertility insurance can greatly affect how much money a couple has to pay out of pocket for their fertility care. The amount of coverage medical insurance policies provide vary greatly. Unfortunately, despite being a medical concern, there is no requirement that insurance companies provide coverage for fertility care.
There are several things you can do to help understand what level of infertility insurance your policy provides:
- Read through your policy – If you do not have a copy of your medical insurance policy, you can request it from your Human Resources department if you have employer provided health insurance. Your benefits coordinator may also be able to provide information on what the health insurance covers for fertility care. Alternatively, you can request this information directly from your insurance company.
- Speak with an insurance representative – Contact your insurance carrier by phone and ask specifically about fertility care. The representative should be able to outline your coverage and answer any questions you may have.
- Work with your fertility center – Your fertility center has a coordinator that works with insurance companies. Speak with them to understand what costs you will be responsible for and how payment is expected. You should feel comfortable speaking with the fertility center about your financial concerns.
Typically, insurance policies provide one of four levels of coverage:
- No Coverage – The policy specifically excludes payment for any testing or treatment related in infertility care.
- Testing Only – Policy provides coverage for identifying the root cause of infertility but does not cover treatment.
- Limited Coverage – Policy provides for diagnosis of infertility issues and limited treatment. This policies may provide little to no IVF coverage.
- Full Coverage – Policy provides for both the diagnosis and treatment of infertility. These policies commonly have a limit on the number of IVF cycles.
New Hope Fertility Center provides personalized fertility treatment in their state of the art office in Manhattan. The center accepts insurance from most major insurance carriers. A member of the new Hope team would be happy to work with your insurance company to determine your exact level of infertility insurance coverage and to provide your specific out of pocket costs. Financing is available for patients who are concerned about paying for their fertility care. Please click the link below to enter your information and New Hope will contact you, or simply call 212-517-7676. Thank You.