Financial Guidance
Making Fertility Treatment
Affordable & Accessible
We believe that financial concerns should never stand in the way of building your family. Explore our comprehensive financial support options, insurance guidance, and affordable treatment packages designed to help you on your journey to parenthood.
Pregnancy and Success
To assure high chances for pregnancy and BABY, individualized treatments plans made specially for each work best. This why most of patients get pregnant on the first trial saving patient money and stress.
Medical Benefits
We utilize all medical benefits and medical coverage patient has and work with Insurance Carriers to limit out-of-pocket expenses. We obtain all pre-certs for medications and procedures. We help to make appointments for Radiology X-rays, MRI and other tests and medications that need insurance approval. We provide assistance with all laboratory bills and contact patient insurance to resolve issues.
Financial Help for Our Patients
Discounted medications and injections to save significant prescriptions money; injections to produce eggs cost thousands of dollars.
IVF Special Package
Including in IVF price most of laboratory procedures to increase chances for pregnancy without increasing treatment cost; IVF Special Package.
Free Sonogram Packages
Free sonogram packages following embryo transfer and in early pregnancy.
Donor Oocyte Pregnancy
Our patients receive fresh oocytes (eggs) because fresh oocytes are more successful to produce baby. Our treatment prices for the fresh eggs are lower than other places charge for frozen eggs and one of the lowest in New York State and Tri-State area including New York, New Jersey and Connecticut with excellent pregnancy rates and home-take babies for our patients.
Low Interest Loans
We work with financial institutions and banks dedicated to our partners needs with low interest loans and convenient loan payments. All loans are easy to apply. We offer assistance with paperwork.
Financial Insurance
Infertility, IVF, Infertility Treatments and Insurance Coverage
IVF is the most known, the most used and the most successful infertility treatment. IVF helps to build HAPPY FAMILIES all over the world for 40 plus years!
IVF and other fertility treatments like inseminations are widely used fertility treatments but they come with significant cost, especially if few treatment cycles are necessary to get pregnant. Our sperm preparation for women insemination is very effective and produced many beautiful babies!
In New York average cost of a single IVF treatment is between $12k (using more affordable, patient-friendly places offering treatment with economical-inclusive, low cost PACKAGES) and up to $22k in the offices with excessive staff and itemized charges where patients pay for almost everything and much more.
But here's the key – since insurances deem reason for the IVF a medical condition, it can be covered under insurance. Meaning you might not have to pay the full price for the infertility treatment because some IVF components (parts) would be covered or reimbursed by insurance.
Treatment protocols are varied and customized for your body, and often low-cost and more natural approaches to fertility care before IVF can be cheaper and also effective. We like to try other options before recommending a full IVF cycle. For patients with the indication for IVF is strong, these steps may be skipped if medical conditions make them not effective, for example blocked tubes.
But it is very important to discuss your medical condition and treatment options with your doctor.
What 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)
Insurance Providers We Work With
Use the arrows to browse through our insurance partners.
In New York, BlueCross BlueShield (BCBS) plans generally cover infertility services, including IVF, for large group plans (101+ 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 bill.
While specific Insurance Plans can vary, several insurance companies in New York offer IVF coverage. It's crucial to review your plan documents, and to verify coverage with your insurance.
We will help you with every step and we will accept insurance assignments for full payment.
The Empire Plan 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.
CareFirst BlueCross BlueShield generally provides coverage for infertility-related services, including diagnostic testing, fertility evaluations, and treatments such as artificial insemination (IUI) and in vitro fertilization (IVF). Coverage typically includes diagnostic services to determine the cause of infertility and may also cover fertility medications, laboratory procedures, and a limited number of IVF cycles, depending on the member's specific health plan and state mandates.
Cigna infertility benefits vary depends on the plans.
Every large group insurance contracts will cover three cycles of IVF treatments per lifetime for infertility.
Meritain Health generally offers fertility treatment benefits, but coverage can vary depending on the specific employer's plan and the number of employees. With groups more than 50 employees, infertility treatments may be covered up to $10,000 a year.
HIP/EmblemHealth, in accordance with New York State law, generally covers up to three IVF cycles per lifetime for large group plans (employers with 100 or more employees) with some restrictions.
Oxford is a part of the typically offers infertility benefits, including IVF, but with specific limitations and conditions.
Aetna generally covers a range of infertility services, including intrauterine insemination (IUI) and assisted reproductive technologies (ART) like IVF. However, coverage details can vary depending on the specific plan and its benefits. It's essential to confirm coverage.
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.
Nippon Life Benefits generally includes coverage for infertility treatments as part of their medical insurance plans.
Anthem, like many other insurance providers, 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) procedures like IVF can vary depends on the employer and other factors.
Specific plan document for details. Coverage for fertility treatments, including IVF, can vary significantly.
IN CONCLUSION
While specific insurance plans can vary, several insurance companies in New York offer IVF coverage, especially larger size employers. It's crucial to review your plan documents, and to verify coverage with your insurance.
We will help you with every step to determine your benefits and coverage and we will accept insurance assignments for full payment.
IVF medication coverage is usually but not always included with the IVF cycle coverage.
