Insurance & Financing

Kindbody’s mission is to make fertility and family-building care more accessible to all. 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. Each state may require or accept different insurances and benefits.

Please note: Tricare, Medicare, and Medicaid are not accepted at Kindbody clinics. For help finding alternative insurance options, reach out to our team at navigator@kindbody.com or 1-855-563-2639 and we will be happy to assist you.

Arkansas
  • Aetna
  • Blue Cross Blue Shield (Anthem)
  • Cigna
  • Mercy Health Network
  • Multiplan
  • SANA
  • United HealthCare
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California
  • Aetna
  • Blue Cross (Anthem)
  • Blue Shield of CA
  • Cigna
  • Multiplan/PHCS
  • Sana
  • United Healthcare
Book Now
Colorado
  • Aetna
  • Blue Cross Blue Shield CO (Anthem)
  • Cigna
  • Humana
  • Multiplan
  • Sana
  • United Healthcare
Book Now
Florida
  • Aetna
  • Blue Cross Blue Shield FL
  • Multiplan
  • Sana
Book Now
Georgia
  • Aetna
  • Blue Cross Blue Shield GA (Anthem)
  • Cigna
  • Humana
  • Multiplan
  • Sana
  • United Healthcare
Book Now
Illinois

Chicago: West Loop, Wicker Park, Hoffman Estates, Crest Hill, Glenview, Aurora, and Geneva clinic locations

  • Aetna
  • Blue Cross of Blue Shield of Illinois
  • Cigna
  • Humana
  • United Healthcare

Swansea, Illinois Clinic

  • Aetna (Pending)
  • Blue Cross of Blue Shield of Illinois (Anthem)
  • Cigna
  • Health Link
  • Health Alliance
  • United Healthcare
Book Now
Michigan
  • Aetna
  • Blue Cross of Blue Shield of MI (Anthem) – Traditional Plan & BCN Commercial
  • Cigna / Priority Health
  • First Health (via Aetna)
  • Multiplan
  • Sana
  • United Healthcare
  • VACCN (Veterans Affairs Community Care Network) / Optum VA
Book Now
Minnesota
  • Aetna – First Health
  • Aetna – Preferred One
  • Blue Cross Blue Shield of Minnesota (Anthem)
  • Humana
  • Multiplan
  • Sana
  • United Healthcare
Book Now
Missouri
  • Aetna
  • Blue Cross Blue Shield (Anthem)
  • Cigna
  • Health Alliance
  • Health Link (Anthem)
  • Humana / Choice Care
  • Multiplan
  • Sana
  • United Healthcare
Book Now
New Jersey
  • Aetna
  • Blue Cross Blue Shield NJ (Horizon)
  • Cigna
  • Multiplan
  • Oxford
  • Sana
  • United Healthcare
Book Now
New York
  • Aetna
  • Blue Cross Blue Shield NY (Empire)
  • Cigna Emblem Health (GHI) (HIP)
  • Emblem
  • Multiplan / PHCS
  • Oscar
  • Oxford
  • Sana
  • United HealthCare
  • United HealthCare The Empire Plan
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North Carolina
  • Aetna
  • Cigna
Book now
Ohio
  • Aetna
  • Multiplan
  • United HealthCare
Book now
Pennsylvania
  • Aetna
  • Blue Cross Blue Shield PA (Highmark)
  • United Healthcare (Pending)
Book Now
Texas
  • Aetna (Pending)
  • Baylor Scott and White Quality Alliance
  • Blue Cross and Blue Shield of Texas (Anthem)
  • Cigna
  • Humana
  • Moda
  • Multiplan (Pending)
  • Sana
  • United HealthCare
Book Now
Washington
  • Aetna
  • Blue Cross Blue Shield of Washington (Premera)
  • Blue Cross Blue Shield of Washington (Regence)
  • Cigna
  • First Choice Health Plan
  • Health Link
  • Health Alliance
  • Multiplan
  • Sana
  • United Healthcare
  • VACCN (Veterans Affairs Community Care Network) / Optum VA
Book Now
Washington, D.C.
  • Aetna
  • Blue Cross Blue Shield DC (Care First)
  • Cigna
  • Sana
  • United Healthcare
Book Now
Wisconsin
  • Aetna
  • Blue Cross Blue Shield WI (Anthem)
  • Cigna
  • Humana / Choice Care
  • Multi Plan
  • Sana
  • United Healthcare
  • VACCN (Veterans Affairs Community Care Network) / Optum VA
Book Now

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.