Infertility Insurance Coverage & Plans Accepted at Your Family Fertility

“Will my insurance cover this?”
It is a common question we receive from our new patients.  You may be surprised that in New York State there is a very good chance your health plan offers some type of infertility insurance coverage. Likely, your insurance carrier will cover an initial consultation, the necessary work up including imaging studies and semen analysis. In fact, your insurance company likely covers fertility treatments.

Did you know that effective 1/1/2020, Governor Cuomo passed that all employees working for larger companies, defined as greater than 100 employees are now mandated to offer In Vitro Fertilization Coverage?

So, you may have more options than you originally thought. Patients with insurance coverage are responsible for their specialist’s office visit copay and/or deductibles associated with their plan.

No insurance. No problem. Your Family Fertility is committed to trying to make the first consultation as affordable as possible. It is required that self-pay patients pay a non-refundable deposit upon booking an appointment. With insurance, once patients schedule their initial visit with our physician, our insurance and billing department will verify benefits prior to the initial consultation. After their visit, all patients have an opportunity to sit down with one of our Your Family Fertility Financial Counselors to discuss their coverage in detail.

Your Family Fertility has a growing list of insurance companies it is associated with :

• Blue Cross Blue Shield

• Independent Health

• NOVA

• Univera

• Empire United

• BCBS Highmark

• Excellus BCBS

• Anthem
  *Some insurance carriers require authorization and/or a referral from your primary care physician prior to your new patient visit.

Does Insurance Cover IVF: Questions for Your Insurance Company or Employer

Many of our patients prefer to speak to their insurance company directly, we have included a list of questions that are important to ask when directly contacting your Employer or Insurance Company:

• Explain my benefits (if any) for diagnostic testing for infertility?
• Are there any age restrictions for infertility treatment?
• Do we need any type of prior authorization or a referral to see a specialist?
• Are there plan limitations, such as lifetime maximums or set limits for intrauterine insemination (IUIs), in vitro fertilization (IVF), or intracytoplasmic sperm injection (ICSI)?
• Are there any restrictions on frozen embryo transfer cycles?
• Do I have medication coverage? Is this separate or inclusive of my other limits?
• Are donor sperm and/or donor egg covered procedures?
• Are there genetic testing benefits?
• Can you put these benefits in writing?
• Do you require a waiting period before I can start treatment?
• If I have no coverage for an actual procedure, do I have any coverage for related services such as ultrasounds and blood work done for monitoring a cycle?