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Insurance Information

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.

An important aspect of planning for your fertility care is understanding which procedures your insurance will cover and which they won’t. Very few patients are restricted in their choice of a fertility specialist by their insurance. You may not be aware that infertility benefits may vary from patient to patient and from provider to provider.

Depending on your insurance, fertility treatments may not be fully covered. In some situations these treatments may not be covered at all. If that is the case you still have options.  We have partnered with several programs that provide different types of financing for fertility care. Our finance specialists will guide you through the process of selecting the right financing package for you. These programs are designed to eliminate the obstacles to achieving your dream of having a family, through easy, affordable loan programs.

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.

PRE-DETERMINATION/PRE-APPROVAL:
– 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.

Plans 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 and thus may not be a covered benefit, unless for a specific disease. Therefore, you are responsible for confirming coverage for PGD or PGS. Since insurance benefits vary by 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.

Our 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 additional referrals or authorizations so we recommend that you check your infertility benefits under your specific plan early in the process.

Although we can find out some aspects of your benefits, your insurance company can 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.