While many fertility clinics have limited insurance participation or operate primarily on a self-pay basis, Brown Fertility works with many major insurance plans and fertility benefit programs to help more patients access fertility evaluations, IUI, IVF and other fertility services when benefits are available.
We also offer financial resources, fertility financing, Discount programs and potential medication savings options for patients who have limited fertility coverage or are paying for treatment out of pocket.
Our financial team can help you understand your fertility benefits, verify coverage, review potential costs and explore financial options based on your individual treatment plan.
Whether you have traditional health insurance, employer-sponsored fertility benefits, TRICARE, out-of-network benefits or are planning to self-pay, our team is here to help you understand your options.
Does Brown Fertility Accept Insurance?
Yes. Brown Fertility accepts and works with a broad range of insurance plans and fertility benefit programs, helping make fertility care accessible to more patients.
Plans and networks may include:
AdventHealth, Aetna PPO, Allegiance, Florida Blue, Cigna, Cigna Disney, First Health PPO, Health First, Mayo PHCS, MultiPlan, Orlando Health, Oscar, Partners Direct, PHCS, TriWest, TRICARE UnitedHealthcare, UMR and VA.
Brown Fertility also works with employer-sponsored and fertility benefit programs including:
Carrot, Kindbody, Maven, Progyny and WINFertility.
Insurance participation and fertility benefits can vary based on the patient’s individual policy, employer, location, provider and treatment. Having an insurance plan listed does not guarantee that every fertility service or treatment will be covered.
Even if you have been told that fertility treatment is not covered or that Brown Fertility may be out of network, it may still be worth verifying your benefits. Certain fertility evaluations, testing or other services may be eligible for coverage depending on your individual plan.
Our financial team can help verify your benefits and explain available options before treatment.
Does Insurance Cover Fertility Treatment?
It depends on your individual insurance plan.
Fertility benefits vary significantly between insurance policies. Even two patients with the same insurance company may have different fertility coverage based on their employer and specific plan.
Depending on your benefits, insurance may provide coverage for certain services such as:
- Fertility consultations and evaluations
- Diagnostic fertility testing
- Laboratory testing
- Ultrasounds and cycle monitoring
- Fertility medications
- Intrauterine insemination (IUI)
- In vitro fertilization (IVF)
- Embryo transfer
Some plans may cover diagnostic fertility services but not fertility treatment, while others may offer broader fertility benefits.
Does Insurance Cover IVF?
Some insurance plans provide coverage for in vitro fertilization (IVF), while others do not.
IVF coverage may depend on your employer, insurance policy, diagnosis, treatment history, prior authorization requirements and other plan-specific criteria.
Some patients may also have separate fertility benefits through their employer that provide additional IVF coverage.
If IVF is recommended as part of your treatment plan, Brown Fertility’s financial team can help you understand your benefits and available financial options.
Does Insurance Cover IUI?
Some insurance plans provide coverage for intrauterine insemination (IUI).
Depending on your policy, coverage may include certain components of an IUI treatment cycle, while other services or medications may be subject to separate benefits, deductibles, copays or coinsurance.
Your plan may also require prior authorization or other criteria before treatment begins.
What Questions Should I Ask My Insurance Company About Fertility Coverage?
When reviewing your benefits, consider asking:
- Do I have infertility or fertility treatment benefits?
- Is fertility diagnostic testing covered?
- Are fertility consultations covered?
- Is IUI covered?
- Is IVF covered?
- Are embryo transfers covered?
- Are fertility medications covered?
- Are medications covered through my medical benefits or pharmacy benefits?
- Do I need prior authorization before treatment?
- Do I need a referral?
- Do I have a deductible?
- What is my coinsurance or copay?
- Is there a fertility lifetime maximum?
- Is there a dollar maximum or treatment-cycle maximum?
- Do I have out-of-network fertility benefits?
- Am I required to use a specific fertility clinic, laboratory or specialty pharmacy?
Understanding these details before treatment can help you better anticipate potential out-of-pocket expenses.
Does Brown Fertility Accept Progyny?
Brown Fertility works with Progyny.
If you have Progyny fertility benefits through your employer, let our team know when scheduling so we can help you understand the next steps for receiving care at Brown Fertility.
Progyny benefits and eligibility are determined by the patient’s individual employer-sponsored plan.
Does Brown Fertility Accept Maven?
Brown Fertility works with Maven.
Patients may have access to Maven fertility benefits through their employer or health plan. Because Maven benefits can vary, patients should confirm their specific eligibility and coverage.
Let our team know if you have Maven benefits so we can help guide you through the appropriate next steps.
Does Brown Fertility Work With Carrot?
Yes. Brown Fertility works with Carrot.
Patients with Carrot fertility benefits should verify their individual benefit, eligibility and any requirements associated with receiving fertility care.
Does Brown Fertility Work With Kindbody and WINFertility?
Brown Fertility also works with Kindbody and WINFertility.
Benefits vary based on the patient’s employer, health plan and individual fertility benefit program. Our team can help patients determine the appropriate next steps based on their coverage.
Does Brown Fertility Accept TRICARE?
Brown Fertility is an approved TRICARE provider. Coverage and referral requirements depend on the patient’s individual TRICARE plan.
TRICARE Prime Fertility Coverage
Brown Fertility is out of network with TRICARE Prime. However, if a patient’s primary care provider submits an approved referral specifically for Brown Fertility, Brown Fertility can bill TRICARE directly for eligible services.
With an approved referral, some fertility evaluations, diagnostic testing or other eligible services may potentially be covered.
Coverage is not guaranteed. Coverage depends on the patient’s individual benefits, the services received, referral requirements and TRICARE’s review of submitted claims.
Patients with TRICARE Prime who are interested in receiving fertility care at Brown Fertility should speak with their primary care provider about whether a referral specifically to Brown Fertility may be appropriate.
Can I Have Fertility Coverage if Brown Fertility Is Out of Network?
Possibly.
Some insurance policies provide out-of-network benefits that may apply to certain fertility services.
Out-of-network benefits vary significantly by insurance plan and may have different deductibles, coinsurance, reimbursement levels or authorization requirements.
Being out of network does not automatically mean that you have no fertility benefits. Patients should verify their individual out-of-network coverage before beginning treatment.
What if My Insurance Doesn’t Cover IVF or Fertility Treatment?
If your insurance does not cover IVF or other fertility treatments, you may still have financial options available.
Brown Fertility offers access to fertility financing, treatment programs and potential medication savings programs designed to help eligible patients manage the cost of treatment.
Our financial team can help you explore available options based on your recommended treatment plan.
Does Brown Fertility Offer IVF Financing?
Yes. Brown Fertility offers access to financial resources for eligible patients who may want to finance fertility treatment.
Available resources include PatientFi, ARC Fertility and TruPath, along with potential pharmaceutical and fertility medication savings programs.
Eligibility, rates, terms and program requirements vary.
PatientFi Fertility Financing
PatientFi offers flexible monthly payment plans that can help eligible patients spread the cost of fertility treatment over time.
PatientFi offers a soft credit check and no application fees, allowing patients to explore potential payment options without a hard credit inquiry during the initial application process.
Financing approval, terms and monthly payments depend on individual eligibility.
ARC Fertility Financing & Treatment Packages
ARC Fertility provides fertility financing and treatment package options.
Depending on the selected program, packages may combine certain fertility-related expenses, such as treatment, medications, genetic testing and donor services, into a more predictable financial plan or monthly payment.
Available packages and eligibility depend on the patient’s treatment plan and program requirements.
TruPath Fertility Program
TruPath is a comprehensive fertility treatment program available to eligible patients.
The program may provide eligible patients with multiple egg retrievals and unlimited embryo transfers within a 24-month period for one fee, subject to program requirements and eligibility.
Patients interested in TruPath can speak with the Brown Fertility team to determine whether the program may be an appropriate option for their treatment journey.
Fertility Medication Savings & Discount Programs
Fertility medications can represent a significant portion of the overall cost of an IVF or fertility treatment cycle. Brown Fertility helps patients explore potential medication savings resources when available.
Eligible patients may qualify for pharmaceutical discount and fertility medication savings programs based on the medication and individual program requirements.
Patients may also want to compare pharmacy and cash-pay pricing, as the cost of fertility medications can vary depending on insurance benefits, pharmacy requirements and available discounts.
Costco Fertility Medication Savings
Patients searching for affordable fertility medications or ways to save on IVF medications may also want to explore Costco Pharmacy as a potential savings option.
Depending on the medication, prescription and current pharmacy pricing, patients may be able to find savings on certain prescription medications through Costco Pharmacy and applicable Costco prescription savings options.
If you’re comparing fertility medication costs, consider asking:
- Does Costco Pharmacy carry my prescribed fertility medication?
- What is the Costco price for my fertility medication?
- Is there a Costco member discount available for this medication?
- Is the Costco cash price less expensive than using my insurance?
- Can my fertility medication prescription be filled through Costco?
- Do any of my IVF medications require a specialty pharmacy instead?
Not every fertility medication is necessarily available through Costco, and Costco will not always be the least expensive option. Availability, eligibility and pricing can vary.
Patients should compare pharmacy pricing, insurance pharmacy benefits, manufacturer savings programs and other available discounts based on their specific prescriptions.
How Can I Save Money on IVF Medications?
There may be several ways to reduce out-of-pocket fertility medication costs.
Depending on your medications and eligibility, potential savings options may include:
- Costco Pharmacy and applicable prescription savings
- Pharmaceutical manufacturer discount programs
- Fertility medication savings programs
- Insurance pharmacy benefits
- Employer-sponsored fertility benefits
- Specialty pharmacy pricing
- Cash-pay or self-pay pharmacy pricing
Before filling fertility medication prescriptions, ask about available savings opportunities. The most affordable option may vary based on your insurance, fertility benefits, prescribed medications and pharmacy.
Do Employer Benefits Cover Fertility Treatment?
Some employers offer fertility benefits in addition to traditional medical insurance.
These benefits may provide additional resources or coverage for fertility testing, IUI, IVF, fertility medications and other family-building services depending on the employer’s specific plan.
Brown Fertility works with fertility benefit programs including Carrot, Kindbody, Maven, Progyny and WINFertility.
If your employer offers a fertility benefit, let our team know when scheduling your appointment.
How Do I Know What Fertility Treatment Will Cost?
The cost of fertility treatment varies because every patient’s treatment plan is different.
Your expected costs may depend on:
- Your diagnosis and recommended treatment
- Your insurance coverage
- Deductibles and coinsurance
- Prior authorization requirements
- Fertility medication coverage
- Employer-sponsored fertility benefits
- In-network or out-of-network status
- Treatment type
- Additional testing or services
- Available financing or savings programs
Once your treatment plan is established, our financial team can help you better understand your anticipated financial responsibility and available options.
How Can Brown Fertility’s Financial Team Help Me?
Our financial team is available to help patients navigate the financial side of fertility treatment.
Depending on your situation, our team can help with:
- Verifying fertility insurance benefits
- Understanding potential insurance coverage
- Reviewing estimated treatment costs
- Identifying employer-sponsored fertility benefits
- Explaining available financing options
- Identifying potential medication savings programs
- Helping you understand financial next steps before treatment
Our goal is to provide patients with information and resources so they can make informed decisions about their fertility care.
Frequently Asked Questions About Fertility Insurance & Costs
Does Brown Fertility accept my insurance?
Brown Fertility works with a broad range of major insurance plans, networks and fertility benefit programs. Because participation and benefits can vary by individual policy, contact our team to verify your specific coverage.
Does insurance pay for IVF?
Some insurance policies cover IVF, while others provide limited fertility coverage or no IVF coverage. Employer-sponsored fertility benefits may provide additional coverage for eligible patients.
Does insurance cover fertility testing even if IVF isn’t covered?
Potentially. Some insurance policies provide benefits for fertility evaluations or diagnostic testing even when fertility treatments such as IVF are excluded. Your individual policy determines coverage.
Do I need insurance to become a patient at Brown Fertility?
No. Patients without fertility insurance coverage can still receive care at Brown Fertility. Financial resources and self-pay options may be available depending on the treatment plan.
Can I finance IVF?
Eligible patients may have access to fertility financing through programs such as PatientFi and ARC Fertility. Brown Fertility also offers access to TruPath for eligible patients.
Can my employer provide fertility coverage?
Yes. Some employers offer dedicated fertility benefits in addition to traditional medical insurance. Brown Fertility works with programs including Progyny, Maven, Carrot, Kindbody and WINFertility.
Can I use insurance and financing together?
Depending on your insurance benefits, treatment plan and financing program, financing may be available for eligible out-of-pocket fertility expenses. Our financial team can help explain available options.
Are fertility medications included in IVF costs?
Medication costs and coverage vary. Some insurance policies or fertility programs may provide medication benefits, while other patients may pay separately for medications. Eligible patients may also qualify for pharmaceutical savings programs or explore lower-cost pharmacy options.
Can Costco help me save on fertility medications?
Potentially. Pricing and availability vary by medication, but patients may want to compare Costco Pharmacy pricing with their insurance copay, specialty pharmacy pricing and other fertility medication discount programs.
Is verification of benefits a guarantee that insurance will pay?
No. Verification of insurance benefits is not a guarantee of coverage or payment. Final coverage is determined by the insurance carrier based on the patient’s benefits, eligibility, authorization requirements and services provided.
Get Help Understanding Your Fertility Benefits & Financial Options
You don’t have to navigate fertility insurance and treatment costs alone.
Whether you have traditional insurance, employer-sponsored fertility benefits, TRICARE, out-of-network benefits or are planning to self-pay, Brown Fertility’s financial team can help you understand your options and prepare for the financial side of treatment.
Contact Brown Fertility to schedule a fertility consultation or learn more about insurance, IVF costs, fertility medication savings, financing and available financial resources.
Insurance participation, coverage, fertility benefits, financing programs, medication savings and eligibility requirements are subject to change. Coverage is determined by the patient’s individual insurance plan and carrier. Verification of benefits does not guarantee coverage or payment.