Our administrative staff will be happy to assist you in determining your level of insurance coverage for your indicated treatment cycle. We strongly recommend that you contact your insurance company for clarification of benefits prior to initiating treatment. Show If you have any questions, please feel free to contact us. Participating Insurance Directory
Non Participating Insurance Directory (Out of Network)
IVFMD accepts most insurance plans, and to many patients’ surprise, several insurance plans include some form of coverage for fertility treatments. Below are our participating insurance providers and plans. Call us today if you don’t see your plan listed, as new plans are frequently being adopted.
This insurance list is subject to change and may vary by physician and location. Please call to confirm prior to your appointment. Insurance of IVF is among the most frequently asked questions today. It might sound surprising but there good chances that your insurance policy offers coverage for certain types of infertility treatments or at least coverage for an initial consultation and testing. If your insurance policy covers the initial visit, then the insurance company will cover the expense of the first visit to an IVF specialist. Let’s take a closer look at how Blue Cross Blue Shield offers comprehensive coverage that includes the most basic and advanced diagnostic tests and infertility treatment procedures for men and women alike. As of June 2022, 20 states have passed fertility insurance coverage laws, 14 of those laws include IVF coverage, and 12 states have fertility preservation laws for iatrogenic (medically-induced) infertility. Insurance Coverage:More Information
What States are Covered?See the map below for states with an infertility insurance law. If your state is included, click on the hyperlinked state name at the bottom of the page for more details about the law and the coverage provided. We have also provided a list of questions to ask your employer to determine if you are covered by your state’s fertility insurance law or if your employer is self-insured and therefore not bound by state insurance laws. If you would like to advocate for new or expanded insurance legislation in your state, please email [email protected]. To advocate for coverage directly with your employer, email [email protected].  Questions to ask your employer: If you live or work in a state that has an infertility coverage law in place and want to know if you are covered by the state law, you should find out the following from your employer. Is your plan:
For more information on employer-provided insurance coverage, follow this link. Summaries of State Fertility Insurance Laws Arkansas 1987 Definition of Infertility/Patient Requirements
Coverage
Exceptions
California 1989 Definition of Infertility/Patient Requirements
Coverage
Exceptions
Colorado 2020 Colorado Revised Statutes, 10-16-104, (23); effective 2023. Definition of Infertility/Patient Requirements:
Coverage All large group (more than 100 employees) health benefit plans issued or renewed in the state on or after January 1, 2023 shall provide coverage for the diagnosis of and treatment for infertility and standard fertility preservation services, including:
The health benefits plan shall not impose:
Exceptions
Connecticut (For additional information on the Connecticut law, see CT Department of Insurance Bulletin) Definition of Infertility/Patient Requirements
Coverage
Exceptions
Delaware 2018 Del. Insurance Code Definition of Infertility/Patient Requirements
Coverage All individual, group and blanket health insurance policies that provide for medical or hospital expenses shall include coverage for fertility care services, including IVF and standard fertility preservation services for individuals who must undergo medically necessary treatment that may cause iatrogenic infertility. Such benefits must be provided to the same extent as other pregnancy-related benefits and include the following:
Exceptions
Hawaii 1989, 2003 Definition of Infertility/Patient Requirements
Coverage
Exceptions
Illinois 1991, 1997, Ill Rev. Stat. ch 215 Definition of Fertility/Patient Requirements
Coverage
Exceptions
Louisiana 2001 Definition of Infertility/Patient Requirements
Exceptions
Maine Sec. 1. 24-A MRSA §4320-S, effective January 1, 2024 Definition of Infertility/Patient Requirements "Infertility" means the presence of a demonstrated condition recognized by a provider as a cause of loss or impairment of fertility or a couple's inability to achieve pregnancy after 12 months of unprotected intercourse when the couple has the necessary gametes for conception, including the loss of a pregnancy occurring within that 12-month period, or after a period of less than 12 months due to a person's age or other factors. Pregnancy resulting in a loss does not cause the time period of trying to achieve a pregnancy to be restarted. "Fertility patient" means an individual or couple with infertility, an individual or couple who is at increased risk of transmitting a serious inheritable genetic or chromosomal abnormality to a child or an individual unable to conceive as an individual or with a partner because the individual or couple does not have the necessary gametes for conception. "Fertility preservation services" means procedures, products, medications and services, intended to preserve fertility, consistent with established medical practice and professional guidelines published by the American Society for Reproductive Medicine, its successor organization or a comparable organization for an individual who has a medical or genetic condition or who is expected to undergo treatment that may directly or indirectly cause a risk of impairment of fertility. Coverage A carrier offering a health plan in this State shall provide coverage to an enrollee:
Exceptions
Upon consultation with the United States Department of Health and Human Services, Centers for Medicare and Medicaid Services (CMS), the Superintendent of Insurance shall evaluate whether the coverage can be incorporated as part of the essential health benefit package or whether CMS would determine that the transfer of costs defrayed by the State to CMS would be required. The superintendent shall report by December 31, 2022 to the joint standing committee of the Legislature having jurisdiction over health coverage, insurance and financial services matters concerning its consultation with CMS and the outcome of that consultation. Maryland MARYLAND Definition of Infertility/Patient Requirements
Coverage
Exceptions
Massachusetts 1987, amended 2010 Definition of Infertility/Patient Requirements
Coverage
Exceptions
Montana 1987 Definition of Infertility/Patient Requirements
Coverage
Exceptions
New Hampshire 2020 NH RSA CHAPTER 417-G Definition of Infertility/Patient Requirements Infertility means a disease, caused by an illness, injury, underlying disease, or condition, where an individual’s ability to become pregnant or to carry a pregnancy to live birth is impaired, or where an individual’s ability to cause pregnancy and live birth in the individual’s partner is impaired. Standard fertility preservation services means procedures consistent with established medical practices and professional guidelines published by the American Society for Reproductive Medicine or the American Society of Clinical Oncology. Coverage Each health carrier that issues or renews any group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses, shall provide coverage for the following:
No health insurance carrier may:
Limitations on coverage shall be based on clinical guidelines and the enrollee’s medical history. Clinical guidelines shall be maintained in written form and shall be available to any enrollee upon request. Standards or guidelines developed by the American Society for Reproductive Medicine, the American College of Obstetrics and Gynecology, or the Society for Assisted Reproductive Technology may serve as a basis for these clinical guidelines. Exceptions Coverage does not apply to plans available through the Small Business Health Options Program (SHOP) or to Extended Transition to Affordable Care Act-Compliant Policies. Does not cover experimental infertility procedures, non-medical costs related to third party reproduction, or reversal of voluntary sterilization. Where an enrollee is utilizing a surrogate or gestational carrier due to a medical cause of infertility unrelated to voluntary sterilization or failed reversal, the enrollee’s coverage shall not extend to medical costs relating to the preparation for reception or introduction of embryos, oocytes, or donor sperm into a surrogate or gestational carrier. New Jersey 2001, 2017, 2019 Definition of Infertility/Patient Requirements
COVERAGE Group insurers, HMOs, State Health Benefits Program, and School Employees Health Benefits Program that provide pregnancy related coverage must provide infertility treatment including, but not limited to: How much does IVF cost in Florida?In Vitro Fertilization Cost. Is IVF covered in Florida?Since IVF isn't covered in many plans, couples often have to pay for IVF on their own, out-of-pocket. If the patient is between 21 and 44 years of age, diagnostic tests and any surgery related to infertility are covered. The average cost of IVF in Florida is $12K for a standard IVF cycle without medication.
Will IVF be covered by insurance in 2022?As of June 2022, 20 states have passed fertility insurance coverage laws, 14 of those laws include IVF coverage, and 12 states have fertility preservation laws for iatrogenic (medically-induced) infertility.
Does Florida Blue cover egg freezing?Yes. In-Network: $4,100 Per Person/$8,200 Family. Out-Of- Network: $12,500 Per Person/$25,000 Family. The out-of-pocket limit is the most you could pay in a year for covered services.
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Does blue cross blue shield cover ivf in florida
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