Navigating Insurance Coverage of Fertility Treatment

You are your own best advocate. Contact your insurance provider for a thorough explanation of your fertility coverage. Download our note-taking template to ensure that you have a valuable conversation, and document all the information you receive.

Fertility treatment is a worthwhile, but significant investment.

Fortunately, there are many ways to manage the expenses. The information below can help you understand your insurance benefits and determine the cost of medications throughout your journey.

Verifying your insurance coverage

Not all insurance plans cover fertility treatment, and we recommend reviewing your plan’s details to confirm your benefits.

If your plan is employer-provided, ask your company’s human resources department to explain your fertility coverage. You may find that some options are covered with contingencies, while others aren’t covered at all.

Next steps and paying out of pocket

If you determine that you do not have insurance coverage of fertility medications, or you choose to reserve your benefits for medical treatment, there may be additional ways to lower the cost. Explore our resources to compare the costs of cash pricing, learn about financing options, and apply for manufacturer-sponsored assistance programs.

We’re here to help you navigate the complexity of fertility treatment.

So that we can support you as much as possible, we ask that you keep us informed about your health needs and review our patient terms and conditions. If you have any questions, reach out through in-app messaging or by phone at 1-800-874-5881 to speak with one of our care specialists.