At Northeastern Reproductive Medicine, we understand that insurance coverage for the diagnostic evaluation and treatment of infertility is complex. All NRM patients will have access to our financial counselor to help them understand their particular coverage, and answer insurance-related questions.
Prior to your first appointment, you may desire to get a head start in determining whether you have coverage. To help you with this, we have summarized key points about insurance coverage below. The majority of insurance plans fall into one of three categories when it comes to infertility coverage.
- The plan provides no coverage whatsoever for infertility services.
Unfortunately this is sometimes the case and means that you will be expected to pay at the time of service for any non-covered services.
- The plan provides coverage for the diagnostic phase of infertility testing only.
In this scenario, the insurance plan will usually offer some coverage for a new patient consultation and some coverage for fertility testing. The treatment phase, however, is not covered.
- The plan provides coverage for the diagnostic testing phase and coverage for infertility treatment.
In these circumstances, coverage is provided for diagnostic testing and for some methods of infertility treatment. Understanding your individual coverage will help you anticipate whether or not a particular service is covered.
For more information about financing options visit https://www.lendingclub.com/patientsolutions/.