Navigating insurance coverage for fertility care can be complex, as coverage varies based on your provider and plan. While Pennsylvania does not have a state mandate requiring insurers to cover fertility treatments, many plans offer some level of coverage for diagnostic testing and treatment. Main Line Fertility works with a range of insurance providers to help make fertility care more accessible.
What’s Typically Covered?
Insurance coverage for fertility care depends on your specific plan, but it may include:
- Initial consultations and diagnostic testing
- Fertility preservation for medical reasons
- Ovulation induction and monitoring
- Intrauterine insemination (IUI)
- In vitro fertilization (IVF) (varies by plan)
- Medications related to fertility treatment
What May Not Be Covered?
While some plans cover fertility care, others may have restrictions. Common exclusions include:
- Elective egg freezing
- Certain fertility medications
- IVF procedures beyond a specified number of cycles
- Costs associated with surrogacy or donor services
If you’re unsure what your plan covers, our financial coordinators can help you navigate your benefits.
Participating Insurance Providers
Main Line Fertility partners with several major insurance providers. Coverage may vary based on your specific plan, so we encourage you to check with your provider.
We currently participate with the following insurance carriers:
- Aetna
- Cigna
- Independence Blue Cross
- Highmark
- Kindbody
- Maven
- Optum Fertility Solutions/Optum COE
- Progyny
- Stock Club
- WIN
- UHC
- Carrot
We currently do not participate with the following insurance carriers:
- Aetna Better Health
- All State Medicaid
- Americhoice
- Care First
- ChampVA
- Coventry National Accounts (including Mailhandlers & First Health)
- Geisinger Health Plan (not including Infertility Rider)
- HealthAmerica
- Health Assurance
- Humana
- Jefferson Health Plans
- Keystone First
- Keystone Mercy
- Medicare Plans
- Oscar
- Tricare
- UHC Community Plan
- UPMC
- AmeriHealth Caritas
Please contact our billing department at 610.527.0800 for a comprehensive list of the insurance carriers with which Main Line Fertility currently partners.
Out-of-Pocket Costs & Financial Options
If your insurance does not cover certain aspects of treatment, Main Line Fertility offers financial options to help manage costs. Our team can guide you through financing programs, package pricing, and other solutions to make treatment more affordable.
How to Verify Your Benefits
Before starting treatment, we recommend contacting your insurance provider to confirm your fertility benefits. Our team is also available to assist you in understanding your coverage and exploring alternative options if needed.
For more information about insurance coverage or financial options, please contact Main Line Fertility today.