Affordable Fertility Treatments

Couples often find out that infertility diagnosis and certain treatments are covered by their insurance. However, IVF and others may be excluded. California is one of 13 states with an infertility mandate in place. This is a “soft” mandate, which gives employers the option to offer infertility benefits. Since it is not required, not many employers will purchase the coverage. Since your employer makes the final decisions about health insurance, it might be a good idea to speak with your Human Resources representative to find out what it would take to have infertility treatments included in your benefits package.

Other options include personal savings, loans from your 401k retirement fund, fertility grants, credit cards, second mortgage or loan against the equity in the house or fertility specific financing. We can give you more information during your complimentary financial consultation.

Following your initial consultation, your physician will outline an infertility treatment plan and the associated costs. Costs will vary depending on what type of treatment is recommended. There are additional rate plans available as well as several financing options. Contact our office for more details.

Surrogacy agency accepts both “in-network” and “out of network” insurance. We work with Aetna, Anthem Blue Cross, Blue Shield, Cigna, Healthnet, Tricare, and United Health Care. Prior to your consultation we will verify your insurance benefits and review detailed coverage information at your consultation. In cases where insurance is not accepted, our coordinators will arrange for discounted cash pricing. In cases where your insurance plan is not accepted or your insurance does not offer coverage, we are able to work with each patient one on one to make fertility expenses affordable.

This depends whether or not infertility has been purchased as a benefit. Some insurance providers may cover a portion of treatment if it is a medical necessity. Benefits vary by insurance policy. We always encourage our patients to reach out to their provider for an explanation of coverage.

Typically, PPO insurance does not require pre-authorization for an initial consultation. If your insurance requires a pre-authorization to see a specialist, then you must get a referral from you OB/GYN to see a fertility specialist. Pre-authorizations may also be needed for any testing, ultrasounds, or blood work. Your assistance in coordinating authorizations is important in order to protect you from the surprise of becoming financially responsible if they do not pay.

Here are some important questions to ensure that you have the right coverage for treatment:
1. Does my insurance cover diagnostic evaluation for infertility (lab work, ultrasound, etc.)?
2. Do they cover physician, hospital, and lab charges?
3. Is treatment for infertility such as IUI or IVF covered?
4. What is my co-payment?
5. Are injectable or oral medications covered (Clomid, Lupron, etc.)?
6. Do I need to use a specific contracted pharmacy?
7. Do I need to us a specific contracted laboratory?