IVF Treatment Insurance Information
Insurance Coverage Participation
Hudson Valley Fertility strongly believes that fertility care should be affordable and accessible to all. To facilitate this affordability our practice participates with most insurance companies.
Though most insurances cover diagnostic and basic treatments, including injectable medication and Intrauterine Insemination (IUI), many do not cover the most effective treatments, such as IVF. Knowing ones’ insurance benefits can help to decrease some of the emotional angst regarding coverage. Patients and reproductive practices often work together to help ensure knowledge of coverage, and that appropriate pre-authorizations are done in a timely fashion to ensure access to coverage. Often patients must do their own registration with their carriers in order to be eligible for benefits. Increasingly, many carriers are imposing stricter regulations and limitations on infertility coverage, including caps on medical and pharmacy benefits, with specific dollar amounts or limited numbers of treatment cycles. Given the constantly changing world of insurance, it is crucial to continually be in contact with ones’ insurance company when one contemplates fertility treatment. Extensive insurance participation with insurance carriers by medical practices is important for access to the best medical care for patients. Some insurance policies also have out- of- network benefit, and this also can be helpful in financial affordability of treatment.
Participating insurance companies include:
- Anthem Blue Shield of Colorado PPO – Blue Card
- Anthem Blue Shield Prime PPO (includes Federal B/S)
- Emblem Health/GHI PPO
- Empire BC/BS plans
- Health Quest
- Health Net
- First Health-Coventry
- Local 1199
- Multiplan Network
- New York State employee (UHC NYSHIP/Empire Plan
- United HealthCare/Oxford
Out of Network Coverage
Many Insurance companies provide out of network coverage. Our dedicated team will assist you in determining the extent and amount of this coverage.