Is IVF Covered by Insurance?

Check with your insurance carrier to receive maximum coverage.

Unfortunately, fertility treatments like intrauterine insemination (IUI) and in vitro fertilization (IVF) aren’t typically covered by insurance companies. However, there is good news. Some aspects of your infertility treatment are covered­—like fertility testing and surgical procedures necessary for improving fertility, such as uterine fibroid removal.

We accept the following insurance:

  • Aetna
  • Anthem (Blue Cross Blue Shield)
  • Aultcare
  • Cigna
  • Humana
  • Medical Mutual
  • Mutual Health Services
  • SummaCare
  • United Healthcare

If you don’t see your insurance company here, you may still be covered. Plans can and do change so we encourage you to contact us for more information on your specific options today.

Apply for low-interest fertility financing today!

We are pleased to share three options to help support your fertility journey. We understand that finances to support your growing family may not always be within reach. These options can help you on the journey to turning your dream into a reality.

The EggFund

The EggFund is an affordable, patient-friendly and fertility-specific lender founded by a woman who struggled with infertility herself. Having experienced firsthand the stresses of fertility care and its high costs, Carmela Rea founded EggFund to make the process more affordable, less stressful and, most importantly, possible for more people like you. The EggFund has helped 1 in 8 families who struggle with infertility get the funding they need to proceed with their treatment plan.

The EggFund offers flexibility when it comes to credit score review, offering loans to those with fair to excellent credit. Once approved, you receive your funds within 24 hours. The fund offers hassle-free, fixed-rate, low-interest options from $5,000 to $100,000 to help you pay for:

  • In vitro fertilization (IVF)
  • Egg freezing
  • Surrogacy
  • Adoption
  • Medicines, testing and agency/donor fees

You can apply easily and securely online in minutes and choose your own loan amount, terms and funding date. Click here to learn more or to start the process.

United Medical Credit

This financing option works with various lenders to provide you with a variety of payment options for your medical treatment. Financing treatment plans are available from $1,000 to $60,000, based on approved credit. United Medical Credit offers competitive interest rates, same day cash payments, along with no prepayment penalties.

Some of the fertility procedures covered by UMC:

  • In vitro fertilization (IVF)
  • Intrauterine insemination (IUI)
  • Single embryo transfer
  • Preimplantation genetic testing
  • Treatment for other barriers to conception, such as pelvic adhesions
  • Egg freezing
  • Sperm freezing

Learn more about United Medical Credit.

Lending Club

This financing option allows you to view your prequalification choices with no impact to your credit score upfront. Lending Club works with hundreds of providers and RGI is proud to be part of that network. Under their complete coverage option, you can make one easy payment for up to three different treatments.

Lending Club financing options covers fertility treatments such as:

  • In vitro fertilization (IVF)
  • Genetic testing
  • Fertility preservation
  • Donor services

Offering loan amounts from $2,000 to $50,000 you can finance the amount you need along with flexible interest rates based on your credit score. Once approved, payments are sent directly to your provider’s office within 1-2 business days.

To access the loan calculator or start the prequalification process, visit Lending Club here.

We believe that being informed about your medical choices and coverage options empowers you to choose the best options in your personal fertility journey. At this time, RGI does not accept Medicaid insurance. We appreciate you as a patient and would love to discuss other treatment coverage options with you.

To schedule an appointment or learn more about Reproductive Gynecology & Infertility’s insurance coverage and third-party financing call 866-537-2461 today.