Understanding Insurance

Understanding Insurance for Fertility Treatment Costs

Rhode Island, Massachusetts, and Connecticut are three of only 15 states in the country that have fertility insurance mandates, which means that the state’s law requires insurance providers to cover fertility treatment costs for men and women if they meet certain restrictions. Despite these regulations, insurance benefits vary widely from plan to plan, adding complexity to the already challenging situation of paying for fertility care.

It is ultimately the patient’s responsibility to identify what an insurance plan will or will not cover before starting treatment. But we know it can be difficult to predict what your expenses will be and what information you will need from your insurance provider, especially if it is your first time pursuing infertility treatment. Below, we’ve compiled resources for understanding your insurance benefits and paying for fertility treatment costs.

Get In Touch

If you are currently a patient with Women & Infants Fertility Center, you can also contact our financial counseling department at (401) 453-7500 with specific questions.

Affordable IVF at Women & Infants Fertility Center Through ARC Fertility

At Women & Infants Fertility Center, we are committed to our patients’ success and making fertility treatment attainable. We also understand that the cost of fertility treatment, especially in vitro fertilization (IVF), can sometimes be prohibitive and daunting when starting or growing a family.

Learn More About ARC Fertility IVF Financing & Refund Programs

Questions to ask your insurance provider

Before you make your first appointment at Women & Infants Fertility Center, we recommend you ask your insurance provider the following questions. These can greatly assist youHappy young couple calculating bills at home_11zon and our financial counseling department in understanding your coverage.

  1. Does my insurance run on a plan year or calendar year?
  2. Do I have infertility treatment coverage?
  3. Do I need a referral to see a reproductive endocrinologist?
  4. Are there any limitations or caps to my coverage?
  5. Does my plan include IVF coverage?
  6. How much is my coinsurance for various services and office visits?
  7. What is my deductible?
  8. What is my out-of-pocket maximum?
  9. Does my insurance cover medication costs?
  10. Does my plan limit which pharmacies I can order medication from?

Fertility Treatment Costs & Insurance FAQ

Do I need to get a referral for my insurance to cover treatment?

This should always be your first question to your insurance company if you’re planning to see a fertility specialist. If your insurance does require a referral, you will need to request one from your OB/GYN or primary care provider in order to have your first appointment covered by insurance. All referrals can either be submitted through our website or faxed using our referral form to (401) 453-7598.

Does mandated infertility insurance coverage apply to everyone?
Will Medicaid cover fertility treatment procedures or testing?
How can I pay for IVF if insurance won’t cover all of my costs?
Can a previous diagnosis or medical treatment effect which costs insurance will cover?
How can Women & Infants Fertility Center help me with my insurance benefits and treatment costs?
What resources are available to help me learn more about infertility insurance coverage?
Does insurance cover IVF?
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