Treatment Coverage

In our experience, most insurance plans cover the initial fertility consultation and diagnostic testing. However, insurance coverage for treatment, like IVF or IUI, is highly dependent on the plan purchased by your employer or group purchasing plan. If you’re considering an infertility treatment and you’d like to understand what your insurance covers – we encourage you to take a moment and confirm with your provider. Below we have some guiding questions that will help you navigate the conversation.

For infertility treatments here are some questions that you should be aware of when talking to your insurance provider.

1. Is my Kindbody physician in-network with my insurance provider?

Check to see if Kindbody is in-network.

2. Does my insurance require pre-authorization before I start a treatment?

Pre-authorization is when you’d have to obtain approval from your insurance provider for specific medical services. This is only applicable for some insurance providers.

3. How is infertility defined by my policy? And do I meet the requirements?

Currently 15 states have laws requiring insurance coverage for infertility treatments. States define ‘infertility’ differently. Most plans require proof of medical history, bloodwork, or diagnostic tests prior to authorization.

4. What infertility treatments are covered by my insurance provider – is in vitro fertilization (IVF) or intrauterine insemination (IUI) covered?

Knowing what insurance benefits you have available to you may be a factor in deciding what treatment to undertake.

5. What is my annual deductible, and what is my deductible for family planning services?

Treatments and assessments can go towards your overall deductible or you may have a separate deductible for family-related services.

6. How many cycles of infertility treatment will be covered?

Insurance companies may have their own policy regarding how many cycles they will cover. If you have a failed cycle, providers may cover additional cycles.

7. Are medications, either oral or injectable, covered by my plan?

Medications for treatment are not included in the price. If medications are not covered by your insurance, Kindbody will provide you with a list of recommended pharmacies. We will also help you navigate discount programs’ prices if you are self-pay/don’t have insurance.
We are always looking to add additional insurance providers, so please reach out to navigator@kindbody.com with any additional questions on insurance.