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Infertility Insurance Coverage Explained by Fertility Experts Blog Feature
Lisa Rosenthal

By: Lisa Rosenthal on February 21st, 2014

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Infertility Insurance Coverage Explained by Fertility Experts

fertility insurance | Financing Infertility Treatment

Infertility Insurance Explained

RMACT logoI tried really hard to trim this page. It didn't work. Everything below is taken word for word from the Reproductive Medicine Associates of Connecticut (RMACT) website. It’s beautifully written and vetted by our board certified reproductive endocrinologists and our financial specialists, along with some of our talented writers. When I looked at what to leave out, I couldn’t find anything I wanted to leave out. So here it is in its entirety.

We are concocting a new treat.  There are no details yet. No dates or times. Please do keep your eye out though, because there is a financial seminar/workshop coming your way. A way to help you understand how to navigate your insurance coverage, the possibilities of different insurance coverage and more.

Meanwhile, I leave you with this valuable information from RMACT. As always, any questions, please let us know and we will find the answers or direct you to the correct person that you need to ask. ~Lisa Rosenthal 

Infertility Insurance Coverage

Health insurance is indispensable, but it can certainly add to the complexities of the choices you make when pursuing infertility treatment.


At RMACT, we try to lessen that stress by helping you work with your insurance company to determine your level of coverage and your out-of-pocket expenses (when applicable). We also review with you the specific details of your insurance plan for infertility treatment.


We encourage you to be your own best advocate by thoroughly understanding your benefits before you begin treatment. Start by reviewing your specific policy requirements for covered and non-covered infertility services and asking questions of your insurer for clarification.


It’s also imperative that both you and your partner provide us with your insurance information. We’ve found that oftentimes partners carry their own insurance with different requirements.


To help you get started, we offer explanations of different types of insurance plansinfertility insurance tips and information about recent developments in legislation pertaining to state insurance mandates for infertility diagnosis and treatment.


Watch Our Fertility Treatment Insurance Overview Video

Types of Insurance Plans

HMO (Health Maintenance Organization) – These plans usually offer only in-network benefits that normally require referrals or authorizations for all covered services. If your partner is covered under the same HMO plan, he’ll need to have referrals and authorizations for infertility services rendered to him as well.


POS (Point of Service) – These plans typically offer both in- and out-of-network benefits. Most POS plans require referrals or authorizations for the maximum benefit and the lowest out-of-pocket payment. Without a referral, you’re likely to be subject to an out-of-network deductible and higher co-payment. Authorizations are usually required for all infertility treatments. If your partner us covered under the same POS plan, he’ll need to have referrals and authorizations for services rendered to him as well.


PPO (Preferred Provider Organization) – These plans usually do not require referrals or authorizations for infertility treatments, but you should check with your insurance company as some require notification of services/cycles. If your PPO plan covers IVF, you will need a pre-determination letter from your insurance company verifying benefits in order to avoid paying for your cycle up front.


Infertility Insurance Tips


When obtaining information on insurance coverage, don’t rely on just a phone call to the insurer. If you simply call and ask about coverage for a certain procedure, you risk getting incorrect information.


Instead, we strongly suggest that you request a written pre-determination letter or document from your insurance company detailing your exact benefits and any requirements that must be met in order to ensure coverage. This written document is your most effective tool if you need to challenge a decision or file an appeal for payment with your insurance company at a later date.


Establishing a point of contact with a representative at the insurance company is a good idea and may make follow-up easier. Keep a log of all phone conversations with your insurance company, including the date and time of the conversation and the name of the person with whom you speak.


During that conversation, get answers to these important questions:


  • What specific procedures do I need to follow to ensure that my infertility treatment is covered? For example, do I need separate referrals or authorizations for each office visit, blood work, ultrasound or procedure?
  • What are the qualifying criteria for receiving my infertility benefit? (i.e. previous attempts, a certain number of IUIs before being able to move onto IVF)
  • Is there a maximum dollar amount associated with infertility treatment? If so, what is it and how much have I used to date?
  • Is there a limit to the number of attempts allowed for intrauterine inseminations (IUI)?
  • Is there a limit to the number of attempts allowed for in vitro fertilization (IVF)?
  • Do I have prescription coverage?
  • Do I have a separate prescription plan?
  • Must I get my prescriptions from a particular pharmacy?
  • Is there a separate phone number I need to call to find out about my drug benefits?
  • Does fertility medication require prior authorization?


Common Insurance Terms

Referral – an insurance authorization number initiated when a primary care physician or OB/GYN refers a patient to a specialist. Obtaining referrals is the patient’s responsibility. A specialist’s name written on a prescription pad does not constitute a referral. Check with your insurance carrier for the proper referral procedure.


Authorization – a number issued by an insurance company authorizing a specific service or medication. Some insurance companies require that patients obtain authorizations and some require that the specialist does.


Pre-certification – a number issued in advance by an insurance company for a surgery or in-office procedure.


Pre-determination letter – a written verification of benefits issued by your insurance company in advance of your consultation or treatment.


Check RMACT’s list of infertility insurance providers.


Please feel free to contact us for more information about infertility insurance and treatment costs.




About Lisa Rosenthal

Lisa has over thirty years of experience in the fertility field. After her personal infertility journey, she felt dissatisfied with the lack of comprehensive services available to support her. She was determined to help others undergoing fertility treatment. Lisa has been with RMACT for eleven years and serves as Patient Advocate and the Strategic Content Lead.

Lisa is the teacher and founder of Fertile Yoga, a program designed to support men and women on their quest for their families through gentle movement and meditation.

Lisa’s true passion is supporting patients getting into treatment, being able to stay in treatment and staying whole and complete throughout the process. Lisa is also a Certified Grief Recovery Specialist, which is helpful in her work with fertility patients.

Her experience also includes working with RESOLVE: The National Infertility Association and The American Fertility Association (now Path2Parenthood), where she was Educational Coordinator, Conference Director and Assistant Executive Director.