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Insurance Benefits

A “Center of Excellence” for fertility treatment coverage

From day one as a new patient, we work with you to verify insurance coverage and explain the costs. We never want patients to be surprised. Fortunately, we have what most insurers require to offer coverage, and other ways to help if they don’t.

At CARE Fertility, we offer comprehensive coverage. Our doctors, clinic, facility, anesthesiologists, and labs are all in-network with nearly all insurance providers. For non-insurance patients, the cost of the anesthesiologist is bundled into the fee for related treatments so there are no separate surprise charges. Our Ambulatory Surgical Center has been fully accredited since we opened its doors in 1996, which means it is covered by most insurance policies. 

We also participate with several Financial Support Resources and Medication Discount Programs.

 Insurance plans

CARE Fertility participates with nearly all insurance plans, and we will bill insurance if coverage can be verified. 

We are currently contracted with the insurance plans listed. If your insurance company is not listed, please contact CARE Fertility to be connected to an insurance specialist to help you with any questions concerning insurance coverage. 

  • Aetna

  • AmeriGroup

  • Assurant Health

  • BCBS Texas

  • BEECHSTREET

  • Blue Cross Blue Shield

  • Cigna

  • Coventry Health Care

  • First Health

  • GEHA

  • Golden Health

  • Great West

  • Group & Pension Admin Inc

  • Guardian

  • Humana

  • MetLife

  • MultiPlan

  • PHCS AZ

  • Principal Financial

  • Progny

  • Tricare

  • United Health Care

 Knowing your benefits

How do you know if your insurance benefits include fertility coverage?

Start by seeing what coverage your employer has selected.

While CARE Fertility is contracted with most major insurance companies, each policy is different. Coverage is determined by the type of policy you have with your employer, not the insurance you use. If you are insured through your employer, your employer chooses your benefit coverage or policy type. Some policies cover only diagnostic testing, some policies cover nothing at all, and some policies cover testing and 100% of treatment.

Request and read your insurance policy booklet.

Your insurance policy booklet is your best resource to help you and our staff understand your fertility benefits. Be certain to check both your medical procedure coverage and prescription coverage. Additionally, check the “exclusions” section of your policy manual to see if there are exclusions or limitations on infertility coverage. Limitations may include higher copayments for infertility treatment, prior authorization requirements, limits to the number of cycles, dollar limits on benefits, and annual or lifetime limits. If you do not have a policy booklet, contact your human resources manager at work or your insurance company to obtain one.

For faster information, call the insurance provider’s 800 number.

It sounds simple, but another way to determine your infertility benefits is to call the 800 number on your insurance card. Tell the representative that you would like to verify your benefits for infertility coverage. Please keep in mind that a verbal confirmation is not a guarantee of benefits, and it is still necessary for you to obtain this information in writing from your insurance company.

Be your own advocate. 

Insurance coverage isn’t always clear and straightforward. No one is more determined to make sure you get the coverage you’re entitled to than you and your partner. Read, ask lots of questions, and don’t hesitate to ask us for help. 

Don't worry. CARE Fertility will verify your benefits.

Once you know what to look for and have gathered as much information as you can, share with us everything you have received in writing. We are happy to verify your benefits, and we have specialists who are experienced in helping you navigate the entire insurance process.

Be aware of potential hidden costs.

Even for patients fortunate enough to have fertility insurance coverage, there are still hidden costs to navigate — some of them quite expensive. Read our blog post to learn how to avoid these surprise fees.

What to do when you don’t have insurance coverage

There are many financing options available to patients who have limited to no infertility coverage through their insurance. You may also check to see if you qualify for a loan through your local bank.

READ ABOUT FINANCIAL SUPPORT →

READ ABOUT FINANCIAL SUPPORT →