affording treatment

Insurance & Mandates

Start here to explore Illume Fertility's accepted insurance plans, Connecticut and New York infertility mandate information, and simple steps you can take to confirm your coverage.

Disclaimer: Insurance participation can change. Illume Fertility is not in network with Medicaid, Medicare, Tricare, or other government-funded programs. Always confirm current status with your insurer. All coverage decisions are made by your insurance plan.

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New to Illume Fertility?

Schedule a consultation, then connect with a Financial Coordinator to review your benefits and a clear cost estimate. To speak with a New Patient Liaison, call (203) 956-2265.

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Accepted Insurance Plans

View the insurance carriers Illume Fertility accepts and how using an in-network provider can affect cost.

See All Plans

CT Insurance Mandate

Learn who qualifies in Connecticut, what services are covered, and which plans the mandate applies to.

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Confirm Your Coverage

How to verify fertility-related insurance benefits so you can plan ahead for expected treatments.

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Finance & Insurance FAQs

Explore the most frequently asked questions about fertility coverage, financing options, and next steps.

Find Answers

NY Insurance Mandate

Learn who qualifies in New York, what services are covered, and which plans the mandate applies to.

Check My Eligibility

Advocacy Resources

Meet organizations fighting for increased access to fertility care and learn how to get involved.

Take Action

What to Do Next

Sorting out your coverage is a big first step! Now let’s talk about ways to make the rest of this process feel more manageable.

We have detailed guides to help you explore treatment pricing, financing options, financial grants, and medication savings programs that can reduce financial strain. Select a page below to learn more:

Treatment Costs →

Typical cost ranges for common pathways like IVF and egg freezing.

Financing Options →

Specialized loans and bundled options to help you access treatment.

Medication Savings →

Discounts and savings programs to reduce out-of-pocket drug costs.

Grants & Support →

Financial grants for IVF, egg freezing, surrogacy, and other costs.

Insurance & Mandates

Frequently Asked Questions

Find answers to common questions about insurance coverage and state mandates.

How do I confirm my coverage?

Does a state mandate mean I’m automatically covered?

When can I talk to a Financial Coordinator?

a comprehensive guide

How to Afford Fertility Treatment

It's no secret that fertility treatment can be expensive.

This helpful guide breaks down all of your options (including financing and clinic-based packages), offers budgeting tips, shows you how to maximize your insurance coverage, apply for IVF grants, and much more.

Ready to take control of your fertility journey? Fill out the form and get instant access to your free Guide to Financial Planning for Fertility Treatment.

expand your knowledge

Insurance & Financing Resources

Explore articles and videos to help you navigate insurance and ways to afford treatment.

Article

How Much Does Working With An Egg Donor Cost? Your Pricing Breakdown

Using an egg donor to grow your family is a deeply personal decision—and a significant financial...

11 min. read

Article

The Ultimate Guide to Fertility Treatment Costs (2025 Update)

For the 1 in 6 people worldwide who experience infertility, the cost of treatment is often a major...

7 min. read

Article

What to Do During Open Enrollment to Maximize Your Fertility Coverage

Let’s say you work for a company that offers you insurance. Great! And then you find out there is...

7 min. read

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get personalized guidance

Let's Make a Plan Together

Your first step is scheduling an initial consultation with an Illume Fertility physician. Afterwards, you'll be introduced to the rest of your new Care Team, including your dedicated Financial Coordinator—so you know what to expect before treatment even starts.

Schedule Your Consult Download Financial Guide