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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. Fertility 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.

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 criteria for medications, even if procedures have already been approved.

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. 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.

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 in order to achieve your dream of having a family.