Call Toll Free 855-705-4483 [4IVF]
Get a Free Consultation
  • HomeHome
  • AboutAbout Us
    • The WINFertility Advantage
    • Care You Can Count On
    • How We Are Different
    • How It Works
    • Quality You Can Trust
    • Infertility Treatment Challenges
    • Frequently Asked Questions
    • Fertility Patient Testimonials
    • WINFertility In The News
    • Holiday Hours
  • What IVF CostsPackaged Discounts
    • Treatment Bundles: What Is Included
    • Single vs. Multi-Cycle IVF Treatment Packages
    • National IVF Cost Comparison
    • WINFertility Treatment Options
  • Affording IVFFinancing Options
    • Fertility Financing
    • IVF Insurance Options
    • Flexible Fertility Financing
    • Other IVF Financing Options
  • Contact UsGet In Touch
  • Find A Fertility Center125+ Locations Nationwide
  • Managed Infertility SolutionsHealth Plans, Employers & Brokers

IVF Insurance Options

Infertility Insurance Coverage

The WINFertility Quality Discount Treatment Program is designed for patients with no infertility insurance coverage and for those who have exhausted their IVF insurance benefit. However, patients should investigate their medical insurance policies and utilize whatever medical and pharmacy benefits are available to them. Some diagnostic tests, corrective surgeries and some medications may be covered, even though more advanced treatments are not. Below is some helpful information about insurance options.

State-Mandated Infertility Insurance Coverage

State Laws Related to Insurance Coverage for Infertility Treatment
Currently, 15 states have laws that require some insurers to either cover fertility treatment (must pay for the coverage) or ‘offer’ coverage (must only let its subscribers know that there are IVF insurance coverage options available, but are not required to pay for it). The Mandated States include: Arkansas, California, Connecticut, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas, and West Virginia.

Exceptions, Requirements and Limitations

Some of the mandated states offer plans that exclude IVF, and several cover only IUI treatments and surgical interventions. The plans may also have various limitations on number of treatments, age and by whom and where treatments may be performed. Living in a mandated state does not guarantee that you will have IVF insurance coverage. Employers who buy insured benefits through an insurance company must comply with the state mandated law. However, if your employer is ‘self-insured’ and has a self-funded benefits program, your employer is exempt from state mandates. RESOLVE, the national infertility association, has a comprehensive overview on IVF insurance that is an excellent resource.

Other Insurance Plans

Many other insurance plans provide some coverage for infertility diagnosis, treatment and even medication coverage, either under the medical provision or under the pharmacy benefit. It is important to find out what, specifically, your plan covers and whether your physician is a provider for the plan. Each plan also has their own rules and guidelines, including type of provider, types, numbers and order of tests, as well medications and pharmacies recognized. The language may be confusing, but it is to your benefit to learn the details prior to seeking treatment so that you can make the most informed decisions regarding your care.
Learn About WINFertility Patient Financing

The WINFertility Program Explained

  • The WINFertility Advantage
  • How It Works
  • How We’re Different
  • Care You Can Count On
  • Quality You Can Trust
  • What IVF Costs
  • Fertility Financing Help
  • Single vs. Multi-Cycle Packages
  • National IVF Costs vs. WINFertility’s Bundle

From The WINFertility Blog

Understand this. Bondage Phone Intercourse with Lydia

13 Oct 2020

You are told by us about Best Hookup Web Web Sites And Apps

13 Oct 2020

Top Category: online payday advances washington state

13 Oct 2020

3) Rock Out Your Bio (… And Include These Key 3 Elements)

13 Oct 2020

CFPB Finds half on line Payday Borrowers Rack Up the average of $185 in Bank Penalties

13 Oct 2020

Unique Tactics To help Victory Mobile or portable Poker house Games

13 Oct 2020

Infertility Treatment Resources

  • Glossary of Infertility Treatment
  • Infertility Medications
  • Infertility Related Questions
  • Injection Training for Infertility

Join Us On Facebook

Copyright © 2016 WINFertility, a subsidiary of WIN (Women’s Integrated Network) Terms and Conditions Of Use and Privacy Statement