Insurance Coverage for Fertility Treatment

Understanding insurance coverage for infertility can be frustrating and confusing at times. Our Insurance & Billing Expert staff members have many years of experience with the insurance and billing process. Our goal is to help our patients manage their financial obligations, making their fertility testing and treatment less stressful.

Our insurance and billing representatives will work closely with you by:

1. verifying your insurance coverage,
2. documenting what fertility treatment coverage you have,
3. advising you of your out-of-pocket costs, and
4. aiding you with outside financing.

Please note, this is not to be considered any guarantee of coverage or payment by your insurance company. Your insurance coverage is an arrangement between the insurance company and you. All patients should verify and understand their own specific infertility benefits. 

We are very fortunate in New Jersey to have a state law called the Family Building Act which mandates fertility treatment coverage; however, there are exclusions to the mandate, such as self funded insurance plans, patients with prior sterilizations and others. For more specific information on the mandate, please go to Resolve’s website.

For those patients who have infertility insurance coverage or who are covered under the Family Building Act, our insurance counselors will advise you of what is and is not covered. We will work with you regarding any referrals or authorizations that you may be responsible for obtaining. In addition, our insurance/billing counselors will provide the insurance company with the appropriate information in order to obtain the necessary authorizations. We will bill your insurance for all covered procedures; however, you will be responsible for your co-pay, deductible or co-insurance that your insurance company may apply.

In cases where patients do not have fertility treatment coverage, we do provide a discounted rate and you may speak to one of our representatives concerning the costs. For patients that are paying out-of-pocket, all financial arrangements and applicable payments must be made prior to the start of treatment, in the form of cash, check, money order, credit card or bank/cashier’s check. In addition, we participate with several other financing services that you may qualify for such as MedicalFinancing.com.

Questions about Fertility Insurance Coverage? Review our Frequently Asked Questions on Insurance. If you don't find the answer to your question, please take a moment and fill out our online contact form. Our insurance experts are standing by to answer any question you may have.

Find out if DVIF&G currently participates with your insurance plan here.