How does my insurance coverage work for fertility treatments?
Health insurance coverage is a complicated subject. Coverage for infertility treatment varies from plan to plan and from insurance company to insurance company. Florida law does not mandate your insurance company to cover fertility evaluation or infertility treatment costs.
It is very important for you to research what your insurance plan covers in terms of evaluation and treatment of infertility, either online or by calling the insurer or benefits representative, or both, before your first visit.
We understand that dealing with insurance companies about your infertility insurance coverage may be intimidating at first glance. To protect yourself from fees that may not be covered by your insurance plan, you should obtain written verification of your benefits.
Insurance companies have specific guidelines to help you determine the extent of your fertility benefits. They are required to provide you with this information. Typically, the information is given only in response to specific questions asked by the insured (you) and some important information may be omitted unintentionally.
The Reproductive Medicine Group participates with the following insurance companies:
(Participation is subject to change)
Aetna: Basic, POS, EPO, MC (Managed Care). Please note if you have any Aetna product other than a PPO, you must join the Aetna Infertility Program by calling 1-800-575-5999 before scheduling appointments at our facility. RMG is a member of the Aetna “Institute of Excellence” network.
BCBS: BlueCare, Blue Options, Blue Select, Network Blue
Beech Street
CIGNA: POS
CIGNA/Great West
Coventry
Evolutions
First Health
Humana: Premier
Multiplan
PHCS
Progyny
United Health Care (Optum)
VA Health Care (Veteran's Affairs)
WINfertility