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Navigating Fertility Insurance & Costs

Affording Care Infertility

When trying to grow your family, cost should not be a factor. For the 1 in 8 couples who experience difficulty trying to conceive, this is an unfortunate reality. Many people are faced with the financial burden of costly fertility treatments, and the confusion of understanding their insurance coverage. We fully understand how challenging these aspects of fertility care can be, which is why our experts are here to help guide you through your journey and help you feel confident in your care with us.

Understanding Your Insurance Coverage
The state of New Jersey has some of the best insurance coverage for fertility treatments and a mandate that requires businesses headquartered in the state to provide a certain level of coverage. This makes accessing fertility treatment more affordable for many families. While having fertility coverage is helpful, it’s important to understand how to navigate various aspects of your benefits. Some policies require patients to meet certain criteria in order to access their fertility coverage, while others request patients to undergo oral ovulation medication cycles prior to more aggressive treatments. There are also co-insurance and deductibles on many insurance policies, which can result in additional costs. Our team of financial counselors are here to help you through the process of both understanding costs and insurance coverage, so you aren’t paying more than you have to.

Navigating Out-Of-Pocket Costs
The cost of fertility treatments range anywhere from $1,000-$20,000 based upon which option you choose. Most families take into consideration the cost of each cycle, and weight the investment based on success rate per cycle. While IUI cycles are more affordable, the success rates are lower than a more expensive IVF cycle, which also offers the ability to freeze excess embryos for future FET cycles. Our team of providers will give you the clinical expertise to determine which treatment is recommended and help you decide what is best for your budget or insurance plan.

Financial Assistance & Discount Programs
We partner with various fertility loan companies to offer treatments that can be paid in monthly installments. Additionally, we’ve packaged our IVF cycles for cash pay patients, so that you can view your costs and what it’s included without any confusion. We offer a military discount for active duty members. Additionally, our patient loyalty program offers additional discounts if you’re unsuccessful with us, to allow you to proceed with an additional cycle an a more affordable rate. 

Getting Started
Whether you have insurance coverage, or are paying out-of-pocket, our team is here to help you find the best path to parenthood. Contact us to begin your journey at 856-596-2233.

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