At Laurel Fertility Care, our clinical and patient service teams are focused on your success. We develop every treatment plan specifically for each patient, keeping our goal of pregnancy the priority, while also keeping financial concerns in mind. Still, we understand the financial constraints associated with fertility treatments.
For some, health insurance will help off-set some of the costs related to their treatment. Very few patients are restricted in their choice of a fertility specialist by their insurance.
Laurel Fertility Care’s dedicated financial coordinators can help to answer the many questions about costs and insurance coverage. We can help you navigate the complexities and provide some basic guidelines of the financial process. Some plans require referrals or authorizations so it’s suggested that you check your infertility benefits under your specific plan. Although we may attempt to verify your coverage, your insurance company may provide more complete information about your coverage directly to you. Our financial coordinators will then work with you and create a financial plan based on your coverage.
Laurel Fertility Care accepts the following insurance plans:
- Anthem Blue Cross
- Blue Shield of California
- Brown & Toland (HMO)
- Chinese Community Health Plan
- Cigna Healthcare (PPO & OAP)
- First Health Network
- FPN (Fortified Provider Network)
- Great West Healthcare (PPO)
- Health Smart
- Hills Physicians Medical Group
- Pacificare PPO
- Sutter Select
- Three Rivers Provider Network
- United Healthcare
You may not be aware that infertility benefits may vary from patient to patient and from provider to provider. Here are a few key points about insurance coverage by major plans to help you manage expectations of coverage. The information provided is for informational purposes only and is not a commitment of coverage.
- Approximately 4-7 business days from submission of your paperwork by your referring physician.
- Predetermination letter may require 30-days.
Before authorization is issued, most plans require:
- Clinical history including physician notes
- Blood work, Day-3 FSH, Estradiol
- Semen analysis
- X-Ray - saline sonogram or HSG reports.
After the initial consultation, your insurance company may require a new authorization if treatment plan converted (ex IUI to IVF or vice versa).
Plan may require patients meet “lesser before greater” treatment criteria for medications, even if procedures have already been approved.
Pre-implantation genetic diagnosis or Preimplantation genetic screening may be considered experimental procedures by your insurance company so may not be a covered benefit, unless for a specific disease. Therefore, you are responsible for confirming coverage for PGD. Since insurance benefits varies by the employer, it is imperative to take an active role in understanding your benefits as well as any potential out of pocket obligations that you may have before beginning treatment. Therefore, we encourage you to call your insurance provider or company benefits manager to check the level of fertility benefit you may have. For patients without coverage, LFC works hard to provide solutions to make fertility care accessible.