Accepted Insurance

This information is subject to change at any time.

Please contact us when scheduling an appointment to confirm that the health plan listed is currently being accepted. There are private companies who change coverage and products periodically and it is always best for you to check your own specific plan before you make an appointment. Some insurance carriers require authorization and/or a referral from your primary care physician prior to your new patient visit.

If insurance coverage is not available, we offer a full range of fertility financing options through our partnership with Advanced Reproductive Care (ARC) to help you afford the cost of care.  These financing plans can help maximize a patient’s chance of conceiving through appropriate treatment while minimizing the overall financial risk.

Insurances

PPO:

HMO:

Additional Financial Programs

  • The Egg Fund
  • CapexMD
  • Advanced Reproductive Care, Inc. (ARC)
  • Flexible Care Option
  • The ARC Pharmacy Plan

Additional Information

The financial side of fertility treatment is fraught for many patients, and figuring out how to fund your care is challenging. Often, the last thing you want to think about are the intricacies and bureaucracies of insurance, but understanding your rights and your options can make a huge difference as you move forward. To help you get a clear picture of what you need and can expect from your insurance provider, we have put together this clear guide. Asking the right questions is the first step towards getting the right answers.

Questions to Ask About Infertility Insurance Coverage

  • Does insurance cover infertility treatments?

    Coverage varies by plan. Some insurance policies cover diagnostic testing only, while others may include treatments such as IUI, IVF, or fertility medications. Always confirm with your insurance provider.

  • What are the specifics of the California mandate to offer law?

    Starting in 2026, California has an “insurance mandate to offer” infertility coverage, which means insurance companies must make infertility benefits available to employers who purchase group health plans. However, not all employers are legally required to include these benefits in the plan they choose for their employees. As a result, some patients may have comprehensive coverage for fertility treatments like IUI, IVF, or fertility preservation, while others may only have diagnostic testing covered—or none at all. It’s important to check directly with your employer and insurance provider to understand if your specific plan includes infertility benefits.

  • Whom should I speak to regarding insurance coverage?

    Start by contacting your HR or benefits coordinator at work, and then confirm details directly with your insurance company. Our benefit verification team can also help review your coverage.

  • What information do I need before contacting my insurance company or employer?

    Have your policy number, group number, and diagnosis codes (if available) ready. It’s also helpful to know which fertility treatments you’re considering so you can ask specific questions.

  • What questions should I ask my employer regarding infertility coverage?

    Ask whether your plan include infertility coverage or diagnostic testing. Also ask if they provide access to enhanced benefits or fertility-specific add-on programs.

  • What questions should I ask my insurance company regarding infertility coverage?

    Confirm if your plan covers infertility treatment and which treatments does it cover exactly, or does it cover diagnostic testing, like bloodwork and ultrasounds. Ask about annual or lifetime maximums, prior authorizations, and out-of-network coverage.

  • What if I’m not covered?

    If your plan doesn’t cover infertility treatment, we offer financing options, payment plans, and discount programs to help make treatment more affordable. You may also explore employer advocacy for expanded benefits. Here’s a list of our financing options that we work with and recommend.

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