Navigating Insurance
Understanding Your Coverage
Navigating insurance can be a daunting process, especially when it comes to figuring out what’s covered for fertility treatments. Our team at IHR is dedicated to helping you understand your insurance benefits and coverage options. We work with a variety of insurance providers to ensure you receive the care you need.
Accepted Insurance Plans
We accept a wide range of insurance plans, including:
- Aetna
- AllSavers (UHC)
- BCBS
- BCBS FEP
- BCBS Out of Area
- Cigna
- GEHA (UHC)
- Golden Rule (UHC)
- Great West (Cigna)
- HMOI
- Harvard Pilgrim Health Care (UHC)
- Healthlink (Unicare)
- Humana
- Mail Handlers (Aetna)
- Maven
- Meritain (Aetna)
- Meritain (BCBS)
- NALC Health Benefit Plan (Cigna)
- Oxford Health (UHC)
- Progyny
- Trustmark Health Benefits
- UHC
- UHC Student Resources
- UMR
- Unicare
- WIN Fertility
- WebTPA
- Stork Club
Don’t see your insurance listed? You may still be covered. Contact us for more information about your specific options today.
Key Questions to Ask Your Insurer
- Is fertility treatment covered under my plan? This question helps determine if your insurance includes fertility services.
- What specific treatments are included? This helps clarify which procedures, like IVF or IUI, are covered.
- Are there any coverage limitations or restrictions? This will help you identify any caps or restrictions on the number of treatments or types of services.
- What are the out-of-pocket costs? This will give you an idea of what your financial responsibility will be, including deductibles and copayments.
- Do I need a referral or pre-authorization? This helps provide you with the necessary steps to receive coverage without issues.
- What is the claims submission process? This helps you understand how to properly file claims to avoid delays in coverage.
State Mandates
Insurance coverage for fertility treatments varies by state due to different mandates and regulations. Ensure you are informed about your state's specific requirements and mandates.
Financial Assistance
Our Patient Financial Coordinators (PFCs) are here to help you understand and navigate your options. Your PFC can help you understand your insurance coverage and provide you with information about other options for affording care, such as fertility grants and financing solutions to bridge the gap between insurance and treatment costs. Contact us to explore financial support options.
Learn More about our Fertility Financing PartnersIHR offers a range of fertility treatments to help increase your chances of building your family