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Fertility Insurance Coverage

Fertility insurance coverage varies widely based on your state of residence, employment, and the type of insurance benefits available.

Financial planning help at IVF New England

For most people, health insurance will cover all or a portion of the costs of fertility treatment. At IVF New England we accept all major insurance plans. However, what is covered varies depending on which state you live in, the benefits of your particular insurance plan, and the treatment services you may require.

Here are some frequently asked questions about fertility insurance coverage:

Will insurance cover my fertility treatment?

Insurance does cover fertility treatments for many patients. If you are a resident of Massachusetts or Rhode Island, there is a mandate that requires insurance companies to cover fertility treatment. However, the services that are covered and the amounts they will pay vary (and self-insured organizations are not required to comply with the mandate.) The initial consultation and tests to find out the cause of infertility are usually covered. Most patients are also covered for more comprehensive treatment.

What if my insurance doesn’t cover treatment, or my out-of-pocket costs are too high?

Our financial counselors will work with you to find out exactly what your out-of-pocket costs would be with your insurance plan. If you don’t have coverage, or if your coverage is not adequate for the treatments you will need, our physicians and financial counselors will discuss alternatives and financing options.

What if I don’t have health insurance?

At IVF New England, we are committed to helping our self-pay patients come up with a fertility-financing plan that will make it possible to stay the course of treatment. From credit card payment to low-interest medical loan programs, we try our very best to help you find a way to fulfill your dreams of having a baby.

Does IVF New England accept health insurance?

Yes. IVF New England accepts all major insurance plans.

IVF New England is a "Preferred Provider" of fertility services with the following health insurance plans:

  • Blue Cross Blue Shield MA
  • Blue Cross Blue Shield RI
  • Out-of-state Blue Cross Blue Shield plans
  • Tufts (excludes MassHealth or Medicare-Medicaid plans)
  • Harvard Pilgrim
  • Fallon (commercial plan only)
  • Neighborhood Health Plan (commercial plan only)
  • United Healthcare
  • Aetna
  • GIC Indemnity
  • Unicare
  • PHCS
  • Cigna
  • Carelink
  • Health New England (commercial plan only)

*We do not accept MassHealth, Medicaid, Medicare, or BMC HealthNet.

** Subject to applicable preauthorization policies and other plan requirements