Cost is a significant factor for individuals seeking fertility treatment. NewLIFE Fertility offers services at 30 to 40% below national averages, providing substantial savings for patients, and we also work with insurance providers and financing options.
Some insurances cover IVF—although many may not. For those who plan to use insurance-assisted care, we recommend first talking with your provider to know exactly what to expect in order to make informed decisions and plan for your finances.
What to Know About IVF Insurance Coverage
The requirement for insurance companies to cover fertility treatments varies from plan to plan and from state to state. Florida, Alabama, and Mississippi do not require insurance coverage of fertility treatments. This means that even for plans we are in network with, coverage of fertility services can be limited.
In some cases, an initial consultation and fertility testing will be covered by insurance, even when fertility treatment is not. We will guide you through your coverage to help you understand any potential gaps in coverage, but we also recommend that you call your insurance company directly to review and understand your insurance benefits for fertility treatment.
Questions to Ask Your Insurer About IVF
Before you begin treatment with our NewLIFE Fertility specialists, it’s important to talk with your insurance provider to cover all aspects of potential fertility coverage, like IVF. You should prepare several questions to ask the insurance agent to ensure you understand everything your provider will or will not cover.
Asking these questions will educate and provide peace of mind ahead of any potential fertility treatment. Keep these three questions in mind to gain a solid understanding of the fertility insurance process.
Are There Fertility Insurance Benefits In My Plan?
Start off by asking about the fertility insurance benefits available in your plan. Be as specific as possible when asking this question and discuss the potential fertility treatment you’re considering. If you’re interested in IVF, let them know. They will let you know which fertility treatments are covered and what you can expect to pay.
Be sure to also ask what the difference is between in-network and out-of-network providers.
How Many Cycles of IVF Are Covered?
NewLIFE Fertility recommends one embryo transfer at a time to reduce health risks to both mother and baby. When speaking with your insurance provider, ask how many fertility treatment cycles are covered. In the event additional embryo transfers are needed, your insurance may be able to assist in cutting your out-of-pocket costs.
Are Fertility Medications Covered?
During your fertility treatment, you will be prescribed a variety of drugs to enhance or support your fertility care. If your insurance covers fertility treatment like IVF, you should ask if they will cover the cost of fertility drugs, like clomiphene, gonal-f, or follistim. If they say yes, ask how much of the cost is covered. To avoid any surprises down the line, you should also request any insurer-provided documents that list the fertility drugs covered and what you may have to pay out of pocket.
Your IVF Insurance Benefits Matter
NewLIFE also participates with Tricare for military families. We know the unique challenges you may face, and we’re committed to assisting you in completing your family. Your Tricare benefits will cover initial consultations and testing, up to and including fertility services. Find out more about Tricare here.
It’s important to understand your insurance coverage as you plan your finances for fertility treatments. We’re committed to making fertility treatments affordable for families. In instances where your insurance coverage falls short, we also offer a shared risk program, as well as offering fertility loans.
Let us know how we can help with your fertility goals. Each of our fertility specialists will work with you to help guide you through the fertility process, including assistance with IVF insurance coverage in our Florida, Alabama, and Mississippi locations.
Schedule an appointment with one of our specialists to learn more about the fertility process or to request additional information about insurance coverage.
