In Vitro Fertilization (IVF)

IVF (In Vitro Fertilization) is most known, most used and most successful infertility treatment. IVF helps to build HAPPY FAMILIES all over the world for 40 plus years!

IVF and other widely used fertility treatments like inseminations are very successful but they come with significant cost, especially if few treatment cycles are necessary to get pregnant

In New York average cost of a single IVF treatment is between $12, 000 and $25, 000.  Patients appreciate more affordable, patient- friendly offering treatments with economical, lower cost PACKAGES.  Large Clinics with excessive staff and expensive overhead charge patients over $20, 000 for each treatment

But here’s the key – since insurances deem reason for the IVF a medical condition, IVF can be now covered under insurance, especially if your New York company has 100 or more employees.  IVF Insurance in Manhattan, and not you, may pay for entire IVF or some components (portions) covered or reimbursed by insurance 

Treatment protocols vary and low-cost or more natural approaches to fertility care before IVF can be cheaper but often less effective

We like to try other options including medications and intrauterine inseminations (IUI) before recommending a full IVF cycle. For patients with strong indication for IVF, for example blocked fallopian tubes other treatments may be skipped if medical conditions make them not effective

But it is important to discuss your medical condition and treatment options with your doctor.

What Part of IVF Can Insurance Help to Cover?

• Ovarian Stimulation; that is egg production with medications 
• Egg Retrieval; that is taking eggs out of the ovary
• Egg Fertilization; laboratory procedures using sperm and egg to make a little baby called embryo 
• Embryo Culture and embryo Transfer to the women womb (uterus)
• Anesthesia for oocyte retrieval IVF
• Prescription benefits determines IVF Medication coverage

Several insurance companies in New York offer IVF coverage. It’s crucial to review your plan documents, and to verify infertility coverage with your health insurance. We will help you with insurance verification and claim submission and we will accept insurance assignments for full payment 

IVF Health Insurance and What to Ask Your Provider:

• Are fertility consultations covered?
• Are lab tests, ultrasounds, and medications included?
• How many IVF cycles are covered?

It’s not what is the BEST INSURANCE, but how good is YOUR POLICY for infertility coverage:

BlueCross BlueShield (BCBS), New York Plans

BCBS generally cover infertility services, including IVF, for large group plans (those with 100 or more employees). This coverage usually includes basic infertility services like tests to determine the cause and artificial insemination, as well as a limited number of IVF cycles. Single women and female couples are covered by the anti-discrimination language in the bill 

The Empire Plan, NYSHIP 

Empire is offered by the New York State Health Insurance Program (NYSHIP) to provide health coverage for eligible New York State public employees and their families. The Empire Plan offers infertility benefits that include coverage for In Vitro Fertilization (IVF) and fertility preservation services

Cigna

Cigna infertility benefits vary depends on the plans

Emblem Health

Every large group insurance contract will cover three cycles of IVF treatments per lifetime for infertility patients

Aetna

Generally, covers a range of infertility services, including intrauterine insemination (IUI) and assisted reproductive technologies (ART) including IVF. However, coverage details can vary depending on the specific plan and its benefits. It’s essential to confirm coverage specific plan document for details. Coverage for fertility treatments, including IVF, can vary significantly

Meritain Health 

Part of Aetna insurance company and all benefits are provided generally by Aetna.  Meritain offers fertility treatment benefits, but coverage can vary depending on the specific plan and the number of employees. Groups with more than 50 employees, infertility treatments may be covered up to $10, 000 a year

HIP/Emblem Health

In accordance with New York State law, HIP may cover up to three IVF cycles per lifetime for large group plans (employers with 100 or more employees) with some restrictions.  

WIN

Is not an insurance, but offer a variety of programs, including bundled treatment prices that include medications, and they work with health plans to offer comprehensive fertility benefits

Anthem

Like many other insurance providers, Anthem may offer fertility coverage, but it often depends on the specific plan and individual circumstances. Generally, Anthem plans will cover the diagnosis and treatment of underlying medical conditions that cause infertility, but the level of coverage for assisted reproductive technology (ART), including IVF can vary and depends on the employer and other factors

UnitedHealthcare

United coverage for fertility services varies significantly. Your personal plan requires a review of your individual benefit plan document for details on coverage for infertility diagnosis, treatment (like IVF), and related services such as donor options and fertility preservation 

Plans that offer coverage for infertility services, many have annual or lifetime financial maximums, specific criteria for coverage, and may require attempts at less expensive treatments first 

Oxford

Part of Unite Health typically offers infertility benefits, including IVF, but with specific limitations and conditions  

IN CONCLUSION 

While specific insurance plans can vary, several insurance companies in Manhattan, New York offer IVF coverage especially larger size employers. It’s crucial to review your plan documents, and to verify coverage with your insurance

Schedule consultation with Dr. Hanna Manhattan clinic today to review your fertility insurance options and begin your journey toward parenthood with confidence. We will help you to determine your benefits and coverage. We will accept insurance assignments for full payment