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Couples trying to conceive often ask what health insurance covers infertility or In Vitro Fertilization IVF treatment. It is not an easy issue to address. The topic is complex and the rules are confusing and inconsistent. Insurance will cover medically necessary procedures.
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Health Insurance Coverage for Infertility & IVF Treatment

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IVF, IUI, & Fertility Treatment Cost & Payment

Are you ready to talk to one of our fertility experts about individualized care? While our physicians and nurses focus on your clinical heath, our financial team can help you understand your insurance benefits and out of pocket expenses. At RMI, we are always more than happy to help you navigate your insurance benefits or give you more details regarding affordable self-pay plans. Contact one of our RMI team members today to learn more detailed information. In order to provide our patients with the highest quality care at an affordable price, we are contracted with several different health plans. If you are a member of an insurer that we work with, we will bill your health plan directly.
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We apologize for the inconvenience, but your browser is currently not supported by this website. Please try another browser, or install the latest version of your favorite browser below:. We want to help you find every opportunity available to you in your quest to have a baby. Our financial counselors are experts in navigating the complexities of insurance coverage. They will work closely with you to ensure that you are making the most of your insurance coverage.
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Infertility means the inability to conceive a child after one year of unprotected sexual intercourse or the inability to sustain a successful pregnancy. The one year requirement will be waived if your Physician determines that a medical condition exists that makes conception impossible through unprotected sexual intercourse including, but not limited to, congenital absence of the uterus or ovaries, absence of the uterus or ovaries due to surgical removal due to a medical condition, or involuntary sterilization due to Chemotherapy or radiation treatments; or, efforts to conceive as a result of one year of medically based and supervised methods of conception, including artificial insemination, have failed and are not likely to lead to a successful pregnancy. Unprotected sexual intercourse means sexual union between a male and female without the use of any process, device or method that prevents conception including, but not limited to, oral contraceptives, chemicals, physical or barrier contraceptives, natural abstinence or voluntary permanent surgical procedures and includes appropriate measures to ensure the health and safety of sexual partners.
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