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 may require or accept different insurances and benefits.

  • Blue Cross / Blue Shield
  • Cigna
  • Aetna (effective 1/1/22)
  • Humana
All Locations
  • Aetna
  • Blue Cross / Blue Shield
  • Cigna
All Locations
  • Aetna
  • Blue Cross / Blue Shield
  • Blue Shield of CA
  • Cigna
  • United Healthcare
All Locations
New Jersey:
  • Aetna
  • Blue Horizon NJ
  • Horizon Blue Cross/ Blue Shield
  • Cigna
  • United Healthcare
All Locations
New York:
  • Aetna
  • Blue Cross/Blue Shield
  • Cigna
  • Emblem Health
  • GHI
  • Multiplan
  • Oscar
  • Oxford
  • United Health Care
  • The Empire Plan
All Locations

Financial Options

For our larger fertility packages, we offer payment plans through Future FamilyAs you can see from the Kindbody Financing Calculator’s link on the Future Family Site, there are many convenient payment options and Future Family will be able to customize the best option for you and your family.  Once approved, KindBody will be alerted and paid directly by Future Family at the onset of your cycle. For more information about Future Family, see below.  

Benefits of a Future Family fertility loan:

  • Low-interest rates 
  • No prepayment penalties
  • Funding of up to $50,000 in less than 48 hours 
  • Loan personalized to your specific needs and treatments
  • Treatment costs simplified down to one easy payment
  • Bill pay management
  • Financing options to include a friend or family member

Prequalifying is easy. The process is quick and won’t impact your credit score. 

We look forward to helping you with your fertility journey.

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 with any additional questions on insurance.