Fertility Insurance & Benefits

Insurance Plans AFCC Works With

We can see patients with any PPO plan. We are an in-network provider for many insurance plans: 

• Aetna – PPO and POS

• Blue Choice (also Blue Options) – PPO and PPO/BCS

• Blue Cross – PPO

• Cigna – PPO and POS

• Humana – PPO and POS

• Optum Health (formerly United Resources Network) – all plans

• Progyny – all plans

• United Healthcare – PPO and POS

• Carrot Fertility
• Maven Fertility

Additionally, we also have many patients who see us as an out-of-network provider, primarily because of our superior success rates and personalized care.

Insurance Coverage: Infertility Testing vs. Treatment

Health insurance plans will often provide coverage for services related to testing for infertility. However, many plans say that once the diagnosis has been established, no other fertility care services will be covered. 

Infertility treatment is covered by insurance much less commonly than testing is. Outside of a state-mandated situation, when there is coverage for infertility treatment, it is fairly common for plans to exclude IVF or to have a lifetime maximum benefit.

We commonly see health insurance plans that have between $10,000 and $25,000 as a lifetime max. This caps the potential costs for the insurance carrier. In other cases, insurance will cover testing and treatment up to and including intrauterine inseminations, but they will not cover IVF.