At The Prelude Network™, we understand the complexities of the financial aspects of fertility care. However, we believe finances shouldn't prevent anyone from growing their family. Fortunately, more and more insurance providers are now offering coverage for infertility diagnosis and treatment. Many of our network clinics work directly with insurers to help patients access those benefits.
Navigating Insurance for IVF & Fertility Treatments
Does Insurance Cover IVF and
Fertility Treatments?
Insurance coverage for in vitro fertilization (IVF) and other fertility treatments varies depending on your state, employer, and specific insurance plan. Some states require certain insurers to offer coverage, while others do not mandate any coverage at all. Insurance may cover diagnostic tests, medications, and procedures, but there may be limitations, such as a cap on the number of cycles covered or the requirement to attempt less costly treatments like intrauterine insemination (IUI) first.
Because insurance coverage can vary based on your individual plan and provider, it’s important to confirm the details of your policy before beginning treatment. This includes checking for any exclusions, limitations, or employer-specific requirements.
Wherever you are in your fertility journey, The Prelude Network is here to support you. We offer educational tools, financial guidance, and compassionate care through each of our member clinics, helping intended parents navigate insurance with clarity and confidence.
A Dedicated Team of Fertility
Insurance Experts
Navigating the insurance process can be challenging, but you don’t have to do it alone. At The Prelude Network, we understand the high and complex costs associated with fertility treatment. Our goal is to simplify the financial journey and alleviate your stress.
Our experienced financial specialists are here to answer your questions, clarify your benefits, and help you prepare for what’s ahead. We’re committed to making sure you feel informed, supported, and empowered, so you can focus on what matters most: building your family.
Participating Insurance Providers
Many of our partner fertility clinics are in network with several insurance providers that cover fertility testing and treatment. If you aren’t covered, our team can connect you to financing options to help ease the burden. Please note that providers may vary based on location. Common providers include:
Start Your Fertility Journey With Confidence
The first step toward treatment is scheduling a consultation with a Prelude Network New Patient Coordinator. They can review your insurance coverage, verify your benefits, and help you understand your options before connecting you with a reputable clinic. Our team is here to help you every step of the way.
Understanding Fertility Insurance
Insurance coverage for fertility services can be tricky to navigate. No matter your coverage, The Prelude Network’s New Patient Coordinators can identify any eligible benefits in your plan and connect you to financial resources so that you can start your fertility journey with peace of mind.
What Fertility Services Are Typically Covered by Insurance?
Fertility insurance coverage varies, but commonly covered services include:
- Fertility evaluations and diagnostic testing
- Ultrasounds and bloodwork
- IUI
- Partial coverage for IVF
- Fertility preservation when medically necessary (such as before cancer treatment)
Services considered elective are less likely to be covered. These include:
- Elective egg freezing
- Preimplantation genetic testing (PGT)
- Donor eggs or sperm
- Gestational surrogacy
Our New Patient Coordinators will ensure you understand all of your options before you start treatment.
How Much Does IVF Cost With and Without Insurance?
It's essential to understand the costs associated with IVF before starting your journey. The Prelude Network will connect you with the resources you need to make informed decisions about your care. There are no hidden IVF fees in our network, and treatment costs are clearly outlined before you become a patient.
With insurance:
Depending on your insurance plan, you may have coverage for fertility care or related services. It's important to consult with your employer about your fertility benefits and schedule an appointment with one of our New Patient Coordinators to review your plan and answer your questions.
Without insurance:
The average cost of a single IVF cycle in the United States typically ranges from $15,000 to $30,000, depending on the clinic, location, and specific procedures included. This cost generally includes monitoring, egg retrieval, fertilization, embryo transfer, and lab services. Other services, like medication or anesthesia, may be billed separately.
Frequently Asked Questions About Fertility Insurance
IVF coverage depends on your location, your employer, and your specific plan. Some states have laws requiring many insurance plans to cover fertility treatments, but it’s important to check with your HR representative before proceeding with treatment.
IVF costs with insurance can vary widely. Some insurance policies cover only specific services, such as diagnostics and medications, while others may provide partial or complete coverage for IVF. Before starting your treatment, we can review your plan and help outline your expected out-of-pocket expenses.
The average cost of a single IVF cycle in the United States typically ranges from $15,000 to $30,000, depending on the clinic, location, and specific procedures included.
Some states have laws mandating that all individual and group health insurance policies providing maternity benefits must also cover fertility preservation services under specific conditions, such as prior to cancer treatment. Our expert team can help you determine your coverage options.
Most insurance plans do not cover IVF after tubal ligation because it’s considered an elective procedure. However, some plans may offer partial coverage. We can review your specific situation and see what your employer provides.
Fertility treatment after a vasectomy, like IVF after tubal ligation, is typically considered elective and, therefore, isn't usually covered. Our New Patient Coordinators are happy to help you uncover any benefits that may be available and connect you with the appropriate resources.
Some insurance plans offer fertility benefits for LGBTQ+ individuals and couples, while others adhere to outdated definitions of infertility. The clinics within The Prelude Network advocate for inclusive care and can help clarify what support is available under your specific plan.
Fertility medications are sometimes covered separately from procedures or bundled into a broader fertility benefit. We recommend checking if your policy includes a pharmacy benefit.
In many cases, the amount you pay for IVF services counts towards your plan’s deductible and out-of-pocket maximum. Since policies vary, we’ll review your specific plan.
