Navigating Fertility Financing

Navigating Fertility Pricing & Financing

NYU Langone Reproductive Specialists of New York (RSNY) is dedicated to helping our patients understand and navigate the financial elements of fertility treatment. Our clinic provides comprehensive treatments for infertility at competitive rates, and our representatives work with each patient to evaluate payment options to cover care, including insurance coverage and/or financing programs.

Our Billing Team

Prior to starting a treatment cycle, all patients speak with a member of our billing team to ensure they are fully informed about pricing for their individual treatment plan. We are transparent about our pricing and offer both payment plans and self-pay options. To connect with one of our billing and financial representatives, please contact our office today, we will be happy to answer any questions.

Insurance Coverage

RSNY currently participates with the following insurance carriers:

  • 1199
  • Aetna*
  • BCBS*
  • Cigna*
  • GHI*
  • HIP*
  • Magnacare
  • Oxford*
  • UMR
  • United Healthcare*

*Participating insurances with limited non-participating plans

Ahead of your first visit to RSNY, please contact your insurance company to discuss coverage for fertility treatment. When speaking with your insurance carrier’s customer service representative, please be sure to ask about any copayments, deductibles, lifetime maximums, prior authorizations, pre-certifications, fertility case management requirements, or excluded services or procedures that may apply.

If you are covered for your initial consultation, payment will be due at the time of your visit for any copay, coinsurance, or deductible related to your appointment. Once you and your physician determine your care plan, payment will be due for any additional copay, coinsurance, or deductible related to your treatment cycle. Your insurance carrier determines all copay, coinsurance, or deductible fees.

Many insurance carriers require verification of coverage before authorizing you to start treatment. Your insurance company customer service representative may direct you to an online benefits verification or authorization portal. To avoid delays in your treatment, please complete your insurance verification and pre-authorization as soon as possible. Please be aware that prior authorization does not guarantee future payment. Your insurance carrier may deny benefits depending upon the status of your benefit when the claim is processed. Patients are responsible for any copay, coinsurance, deductible, excluded service, or excluded procedure fees not covered at the time of service or upon notification.

Please contact our billing office at 516-739-2100 with questions about insurance verification, insurance coverage, or fee schedules. Our dedicated billing team is here to guide you through this process.

Fertility Benefits Coverage

RSNY partners with several fertility benefits providers – our current partners include: Progyny, Maven, Carrot Fertility, and Livestrong Fertility. Ask your employer if you have access to additional benefits through one of these partners.

Cycle Financing Options

NYU Langone RSNY partners with BUNDL, a unique program that allows patients to lower fertility treatment cost by packaging multiple treatment cycles together into one up-front cost. BUNDL is designed to be flexible and gives patients multiple packages to choose from and custom add-ons including egg donor sourcing and risk protection plans. BUNDL knows that fertility treatment comes at a significant financial and emotional cost. Their industry-first risk protection plans offer full or partial refunds for unsuccessful treatments (subject to eligibility requirements and additional terms and conditions), so you can minimize your financial burden and focus on building your family.

Through our partnership with Lending Club, patients are provided with a variety of loan options. Lending Club offers payment plans with flexible terms, budget friendly choices, and the ability to finance amounts from $2,000 up to $50,000. Each loan program is designed to fit every patient’s individual circumstances. Once approved, a Fertility Loan Specialist will work closely with you to ensure all funds are secured prior to the start of your treatment.

Future Family specializes in fertility financing with personalized payment plans that can cover a range of services. Through our exclusive collaboration with Future Family, we offer you access to flexible financial plans and concierge support services for fertility care. Clinics within The Prelude Network®, such as NYU Langone RSNY, benefit from Future Family's Personalized Payment Choice tool and pre-approval process prior to your new patient consultation. This ensures you have financial information early on, reducing the chance of unexpected costs during your fertility journey.

RSNY Program Fees

Please note this table is intended as a guide, all applicable cycle fees will be determined by your unique treatment plan. We are committed to providing patient-focused, and cost-effective care to help you build your family.

New Patient Consultation: $350
Egg Freezing (Fertility Preservation): $7,770
Intrauterine Insemination (IUI) Cycle: $1,250-$2,250
In Vitro Fertilization (IVF) Cycle: $14,050
IVF Cycle with Genetic Testing: $15,450 (part 1) + $3,250 (part 2) + lab fees (varies, starting at $2,300)

The fees listed do not include the cost of medications, cycles outside of the IVF cycle, such as diagnostic, luteal priming, or mock cycles or products and services provided by third parties such as additional medications, offsite phlebotomy services, carrier screening, preimplantation genetic testing (PGT), tissue storage fees, pregnancy monitoring, and other expenses.

*The listed fees are subject to change and new fee structures may be effective before the website is updated. For information or questions about our current billing practices, please contact our billing team at 516-739-2100.

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