Understanding Health Insurance Coverage & Benefits

Health insurance overage and benefits vary by insurance company. It is important that you attempt to know as much as possible about the type of infertility coverage and benefit you have under your insurance plan.

In our attempt to help you understand the type of infertility coverage and benefit that you have with your insurance company, you need to obtain some specific information about the infertility coverage you have.

Below are a few important questions, which will help you when speaking with your insurance company customer service representative.

Do I have infertility coverage?
Does my insurance cover for the diagnosis and treatment of infertility? Or does it only cover the diagnosis of infertility only?
Does my insurance cover for artificial insemination or in-vitro fertilization?
Does my insurance have a maximum lifetime limit for infertility services and/or number of attempts for infertility procedures?
Does my insurance cover oral or injectable infertility medications?
Does my insurance cover for lab services and ultrasounds?
What is my financial responsibility and what is the insurances financial responsibility for infertility services? Is my financial responsibility the same for lab services and ultrasounds?
Does my insurance require a referral or prior authorization for infertility services?
Do I have co-pay per office visit?
Do I have a separate deductible for infertility?

If an authorization or referral is required you must obtain the appropriate authorizations in writing, before you begin any treatment plan.

If you still have questions concerning your insurance coverage after speaking with your insurance customer service representative. Please contact our office and we will direct you to our insurance department to assist you with any further questions you may have.