Insurance & Financing

Kindbody’s mission is to make fertility and family-building services more accessible to individuals, couples, and LGBTQ+ people. We’ve created a platform where we can provide care to anyone – with or without insurance – saving you valuable time and money. Below is a list of insurance networks we do accept. Please note that each state accepts different insurances and benefits.

California
  • Aetna
  • Blue Cross / Blue Shield
  • Blue Shield of CA
  • Cigna
  • Multiplan
  • United Healthcare
All Locations
New Jersey:
  • Aetna
  • Blue Horizon NJ
  • Cigna
  • Oscar






*The state of New Jersey mandates insurance providers pay for fertility and IVF coverage (up to 4 IVF cycles) for all qualified patients.

All Locations
New York:
  • Aetna
  • Blue Cross/Blue Shield
  • Cigna
  • Emblem Health
  • GHI
  • Multiplan
  • Oscar
  • Oxford
  • United Health Care

*The state of New York mandates insurance providers pay for fertility and IVF coverage (up to 3 IVF cycles) for all qualified patients.

All Locations

Financial Options

For our larger fertility packages, we offer payment plans through Future Family. To get started, you create an account at www.futurefamily.com and select Kindbody as your clinic. Once approved, we will be alerted and we’ll be paid directly by Future Family at the onset of your cycle. You will pay Future Family based on the terms of your loan.

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.

State Insurance Laws

New York Mandate

On January 1, 2020, 5 million New Yorkers were given coverage for (in)fertility services like IVF and egg freezing through their insurance coverage, completely changing the continuum of care as we know it. To fully understand this mandate you’ll first have to consider if your employer is “self-insured,” which means they fund and manage their own health insurance, or if they are “fully-insured,” which means insurance is funded and managed by an insurance company.

For IVF coverage: The mandate stipulates that all fully-insured plans for employers with over 100 employees must provide coverage for 3 cycles under the new law. The employee must meet the newly-defined definition of infertility for treatment: an inability to conceive after regular, unprotected sexual intercourse or donor insemination for 12 months if you are under 35 or 6 months if you are over 35. Because donor insemination is included in this new definition, any single mothers or same sex female couples who have been trying intrauterine insemination (IUI) without success would also be eligible for coverage.

For medically-necessary egg freezing (fertility preservation): All fully-insured plans regardless of employer size must provide coverage if infertility may be caused by a medical intervention like certain medications, radiation or surgery (ex: cancer patients, endometriosis, gender reassignment surgery).


New Jersey Law

In 2001, the Family Building Act was signed into law. The law requires that New Jersey health insurance providers cover groups other than small employers (less than 50 employees) and provide pregnancy-related benefits. Along with that providers must cover the cost of the diagnosis and treatment for infertility.


California Law

The California law requires only certain insurers to offer coverage for infertility diagnosis and treatment. Employers can choose whether or not to include infertility coverage as part of their benefit package.