Insurance Coverage Assistance
We work closely with insurance providers to maximize your insurance benefits. At ReproMed Fertility Center, we participate with a variety of health insurance plans, and we know that coverage for infertility treatments will depend on your individual plan. Your insurance provider and the specific plan selected by the subscriber’s employer will determine what degree of treatment is covered.
We also have a Financial Counselors available to assist our patients in assessing their coverage. Below is a list of some of the health insurance plans that our center participates in. Please contact us for help with your insurance related questions. If your insurance plan is not mentioned below, please contact our center and we will assist you by contacting your insurance provider to determine your benefits.
Health Insurance Plans We Participate In
- Aetna (all plans)
- Access Direct Platinum
- Averde Health
- Blue Cross and Blue Shield (BCBS- all plans)
- Beech Street PPO
- Cigna (all plans)
- First health Network
- Galaxy Healthcare Network
- Great West healthcare (all plans)
- Health Smart(all plans)
- Humana (all plans)
- IMS PPO
- Interplan Health Group (IHG)
- Lumenos (Anthem BCBS)
- Prime Health Services
- PPO Next (Beechstreet)
- Texas True Choice PPO
- United Healthcare
We also encourage you to research your coverage by contacting your employer’s human resources department or your insurance company to request an explanation of specific benefits and have the insurance carrier issue a letter of pre-determination of benefits. Please see below for a list of suggested questions to ask your insurance carrier.
11 Questions for Your Insurance Company or Employer
NOTE: The purpose of asking the questions listed below is to determine whether or not your plan covers diagnostic testing, intrauterine insemination (IUI), in-vitro fertilization (IVF), or infertility surgery. Be sure to ask to speak to with a customer service representative.
- Explain my benefits (if any) for diagnostic testing for infertility?
- Are there any age restrictions for infertility treatment?
- Do we need any type of prior authorization or a referral to see a specialist?
- Are there plan limitations, such as lifetime maximums or set limits for IUIs, IVF or ICSI?
- Are there any restrictions on frozen embryo transfer cycles?
- Do I have medication coverage? Is this separate or inclusive of my other limits? Do I need to use a specific pharmacy?
- Are donor sperm and/or donor egg covered procedures?
- Are there genetic testing benefits?
- Can you put these benefits in writing? It is always advisable to get written verification of benefits and coverage.
- Do you require a waiting period before I can start treatment?
- If I have no coverage for an actual procedure, do I have any coverage for related services such as ultrasounds and blood work done for monitoring a cycle?