Fertility Finance Hub

Illume Fertility partners with many major insurance carriers and fertility benefit platforms to help make treatment more accessible. We are in-network with the following insurers and benefits providers:

• Aetna
• Anthem Blue Cross Blue Shield
• Carrot
• Cigna
• ConnectiCare
• EmblemHealth
• Kindbody
• MagnaCare
• Maven
• MVP Health Care
• Oxford Health Plans
• Progyny
• UnitedHealthcare (including UMR)

Note: Illume Fertility is not in network with Medicaid, Medicare, Tricare, Fidelis, or other government-funded programs.

Because network status can change and some employers carve out benefits differently, we always recommend that you review our current Accepted Insurance Plans page.

After your first consultation, your Financial Coordinator will verify your benefits and create a personalized cost estimate so you know what to expect before treatment begins.

It depends on your specific plan, but most insured patients have at least some coverage for fertility care. Here's how it usually breaks down:

1. Diagnostic testing is often covered. Many plans will help pay for initial consultations, blood work, hormone tests like AMH, ultrasounds, and semen analysis when these services are billed as evaluation of infertility.
2. Treatment coverage varies widely. Some plans cover ovulation induction or IUI, some cover IVF with limits on cycles or age, and others exclude fertility treatment entirely.
3. State mandates can help. If you have a fully insured plan issued in Connecticut or New York, state infertility mandates may require your insurer to cover certain diagnostic and treatment services, sometimes including IVF. Self-funded employer plans may not follow these mandates.
4. Medications have separate rules. Fertility drugs are often handled under pharmacy benefits, with different copays, tiers, and preferred specialty pharmacies. Some plans cover medications but not procedures, or the reverse.

We know it often feels daunting and confusing trying to understand what's covered! Here's how Illume Fertility supports you throughout this process:

• After your consultation, a dedicated Financial Coordinator performs a detailed benefits review, confirms in-network status, and explains what your plan covers, what it does not cover, and your estimated out-of-pocket costs.
• Our Finance Hub and Finance & Insurance FAQs page walk you through how to check your benefits, what to ask your insurer, and how to combine insurance with grants, financing, and medication savings programs if coverage is limited.

Even if your plan does not cover IVF or has limited fertility benefits, our team will help you explore every option so costs are as clear and manageable as possible.

After your first consultation, we’ll connect you with your dedicated Financial Coordinator who will conduct a thorough benefits review and provide a clear cost estimate.

If you're curious about what your insurance plan might cover, here are a few questions to start with:

• Does my plan cover infertility treatment or only diagnostics?
• Is IVF covered under my plan? If so, how many cycles?
• Are medications covered under this benefit? Will I need to use a specialty pharmacy?
• Are there any required steps to take (such as three cycles of IUI before IVF is approved)?
• Is Illume Fertility in-network?
• Are donor services, genetic testing (such as PGT), or cryo storage fees covered?
• What are my out-of-pocket responsibilities (e.g., deductible, copays, coinsurance)?

For a more detailed guide to communicating with your insurance provider, read Will Insurance Cover My Fertility Treatment?

Not always. State coverage mandates only apply to certain plan types and employers, and eligibility rules can vary.

Check your state's page for more information, then confirm details with your insurer and request a predetermination letter if needed:

• Connecticut Infertility Insurance Mandate
• New York Infertility Insurance Mandate

After your initial consultation with an Illume Fertility physician, you will be introduced to your dedicated Financial Coordinator. They will review any available fertility benefits your plan offers, confirm authorization requirements, help you understand what's ahead and plan for any out-of-pocket costs.

Not ready to schedule a consult yet? Call our New Patient Liaison line at (203) 956-2265 to get questions answered before you book.