Does Insurance Cover Infertility Treatment?

Knowing exactly what infertility treatment insurance coverage your policy offers before you see a healthcare provider is a huge timesaver. Your coverage may dictate the infertility specialist or reproductive endocrinologist you see, the types of fertility tests you have, the sequence of the testing and which fertility treatments will be covered.

Unfortunately, fertility coverage is not universal. So you and your partner may wish to take some time to study your policy and find out if, and to what extent, your insurance covers infertility treatment.

Many insurers now offer coverage for the various stages of infertility treatment. In addition, more states are now requiring that insurers include infertility insurance and infertility benefits in their policies.

Fertility and Insurance: Making the Most of Your Policy

• Get approval from your insurer in advance—and in writing. This is called "preauthorization" or "predetermination." These sample preauthorization letters can help you get started.

Letter Requesting a Predetermination of Benefits | Letter Requesting a Predetermination of Drug Coverage | Insurance Benefits Verification Form

• For assistance verifying your benefits, call Fertility LifeLines™ at 1-866-LETS-TRY (1-866-538-7879).
• Or, download this form to enable EMD Serono Fertility LifeLines to investigate your insurance coverage for fertility treatments. Fax completed form to 1-866-882-2900.
• Unfortunately, what's not written in your insurance policy can be just as important as what is. In most policies, there's usually room for interpretation.
• Resubmissions are common: If your claim has been denied, you may appeal.
• If you don't have fertility coverage, you may be eligible for self-pay patient savings.