The financial aspects of fertility treatment are an important part of the process. At NYU Langone Reproductive Specialists in New York, we believe that financial considerations should not prevent you from starting a family. Many insurance providers now offer coverage for infertility diagnosis and treatment, and we collaborate with many major insurers to help our patients access these benefits.
Coverage varies based on several factors, including your specific insurance plan, which may have limitations or restrictions. It’s important to verify the details of your policy with your employer before starting treatment.
Regardless of where you are in your fertility journey, you can count on our financial counselors to address your questions, clarify your benefits, and guide you through the financial process with compassion and expertise.
A Dedicated Team of Fertility Insurance Experts
Navigating the insurance process can be overwhelming, but the financial counselors at NYU Langone Reproductive Specialists in New York are here to simplify it. We’ll reach out to your provider, verify your coverage, and review your benefits on your behalf.
Transparency is key when it comes to fertility care. That's why we thoroughly explain any potential out-of-pocket expenses upfront and help uncover benefits in your plan that you may not realize you have. We want you to have clarity and confidence at every stage of your fertility journey, so you can focus on what matters most — growing your family.
Participating Insurance Providers
NYU Langone Reproductive Specialists in New York partners with a variety of insurance providers to make fertility care more accessible for our patients. Below is a list of the plans we generally work with.
If your plan isn't listed, our financial counselors are still available to help you explore your benefits and review your options. Please note that this list is subject to change and may vary by physician and location. We encourage you to confirm your coverage before your appointment.
- 1199
- Aetna
- BCBS
- Cigna
- GHI
- HIP
- Magnacare
- NYSHIP
- Oxford
- UMR
- United Healthcare
Does Insurance Cover IVF and Fertility Treatments in New York?
Intended parents in New York may have coverage for the diagnosis and treatment of infertility, including in vitro fertilization (IVF) and other types of assisted reproduction. Large group health plans are required by state law to provide this coverage. However, small groups or individual plans may have limited coverage or require an employer's decision to include fertility care in the benefits package. Even if your plan doesn't cover the total cost of fertility treatment, it may still offer partial coverage or discounts for diagnostic testing, medications, and other services.
Our financial team will review your policy and assist you in exploring your options. We're dedicated to maximizing your benefits and empowering you throughout your IVF journey.
Understanding Fertility Insurance in New York
Insurance coverage for fertility services in New York varies based on your specific plan. New York has laws requiring many insurance plans to cover fertility treatments, including IVF, for large groups. However, employers are not required to offer this coverage if they are self-insured or if their plan is for a small group.
Nevertheless, you may still have access to coverage through your personal or employer-sponsored health plan. At NYU Langone Reproductive Specialists in New York, our experienced financial counselors can identify any eligible benefits in your plan and advocate on your behalf, allowing you to start your fertility care with peace of mind.
What Fertility Services Are Typically Covered by Insurance?
Fertility insurance coverage varies, but services commonly covered include:
- Fertility evaluations and diagnostic testing
- Ultrasounds and bloodwork
- Ovulation induction and intrauterine insemination (IUI)
- Partial coverage for IVF
- Fertility preservation when medically necessary (such as before cancer treatment)
Services considered elective are less likely to be covered by insurance, such as:
- Elective egg freezing
- Preimplantation genetic testing (PGT)
- Donor eggs or sperm
- Gestational surrogacy
Our financial team will review all of your options with you before proceeding with treatment.
How Much Does IVF Cost With and Without Insurance?
It's important to understand the costs associated with IVF before starting your journey. Whether you have insurance or are paying out of pocket, NYU Langone Reproductive Specialists in New York is committed to providing transparent and upfront pricing at every step.
With insurance:
You may have coverage for fertility care or related services, depending on your insurance plan. It's essential to consult with your employer about your fertility benefits and schedule an appointment with one of our financial counselors to review your plan thoroughly.
Without insurance:
The average cost for one IVF cycle without insurance in New York can range from $15,000 to $25,000 or more. These fees typically include ultrasounds, laboratory work, egg retrieval, fertilization, embryo transfer, and follow-up visits; however, they don't usually cover medications, anesthesia, or genetic testing.
Frequently Asked Questions About Fertility Insurance
IVF coverage varies depending on your employer and the specific plan you have. New York law requires many large-group insurance plans to cover fertility treatments, but it’s important to check with your HR representative before starting treatment.
IVF costs with insurance depend on your policy. Some policies cover specific services related to IVF, such as diagnostics and medications, while others provide partial or complete coverage for the entire IVF process. Before you begin receiving care, we'll review your benefits and outline your expected out-of-pocket expenses.
Start building your family today with NYU Langone Reproductive Specialists of New York.