IVF and Infertility Treatment Insurance & Payment
Insurance and billing for IVF and fertility treatment
We are a provider for most major insurance plans and provide insurance billing. At the time of your appointment, you are responsible for any co-payment required by your insurance company and any charges that are not covered by your insurance company.
If you have questions regarding billing or which insurance plans we accept, please contact us. Questions regarding insurance coverage and benefits should be directed to your employer or insurance company.
Financial aspects of fertility care
Colorado is NOT an infertility mandated state. This means that insurance carriers can determine within each plan what they cover and how much they cover.
Each plan is different and is a contract between you and your insurance company. It is your responsibility to understand your benefits. When we check your benefits with your insurance company we can only pass on the information they give us, and cannot in any way guarantee coverage. Your final bill will be determined based on your coverage but also your deductibles and co-pays. We are not able to determine what your final cost will be if you bill your insurance company.
If you do not have insurance coverage for services as a self-pay patient, you are eligible for substantial discount. New patient visits are charged $250 and all other services will have a 40% discount. The discount cannot be applied if insurance is billed and denied.
If you are unsure if your insurance will pay for any given appointment or service, you may elect to pay the self-pay discount and then submit the claim to your insurance company yourself for possible reimbursement.
For further financial information, please refer to our infertility insurance coverage patient forms.
Our competitive pricing & discounts
The cost of infertility treatment at the Advanced Reproductive Medicine Center is very reasonable compared to other centers. Some insurance companies cover diagnostic services while others do allow a certain dollar amount for infertility treatment. We encourage you to check with your insurance carrier to see if you have any benefits related to diagnosis and/or infertility treatment.
Should you desire financing at competitive rates, please contact our financial counselor. We also work closely with Advanced Reproductive Care (ARC) who provides financing for patients.
Additional information on the cost of fertility treatment and possible insurance coverage can be found at The American Fertility Association’s website on the Patient Fact Sheet “Diagnosis & Treatment of Infertility: Am I Covered”
Progyny fertility insurance partnership
CU ARM is partnered with Progyny, which offers all-inclusive fertility insurance. Their benefit plans cover an array of services including IVF, egg freezing, surrogacy and adoption, so you can pursue the treatment that’s right for your situation. Progyny plans focus on outcomes rather than costs, and don’t have diagnosis or pre-certification requirements.
Our hospital affiliations
- Rose Medical Center
- Porter Memorial Hospital
- Memorial Hospital
- University of Colorado Hospital
Kaiser Permanente Insurance Coverage for IVF
CU Advanced Reproductive Medicine accepts Kaiser Permanente insurance for fertility treatment. Kaiser patients who have IVF benefits are required to have authorization from a Kaiser physician. The company also requires both female and male patients to have the majority of diagnostic testing, labs, and so on done through Kaiser. However, additional in-depth testing services or procedures related to infertility may not be covered.
According to Kaiser Permanente’s website, examples of infertility services that may not be covered through Kaiser:
- Clomid therapy.
- Specialized blood hormone tests used to find the cause of infertility.
- Semen analysis.
- Hysterosalpingogram (HSG), hysteroscopy and endometrial biopsies.
- Any infertility services provided by a non-Kaiser Permanente provider.
Questions regarding insurance coverage and benefits should be directed to your employer or insurance company.