Before you begin infertility treatment at New England Fertility, we urge you to check with your insurance company as to the coverage provided by your policy. Note: Many insurance companies provide online access to your benefits or call centers to assist you. If you still need help assessing whether or not your insurance policy covers infertility treatment, let us know. Our Finance Department is available to answer any coverage questions.
If New England Fertility has a contractual agreement with your insurance company, we will bill the carrier directly. If we do not have a contract with your carrier, but you can obtain written verification of coverage for the specific test or procedure, we will bill your carrier directly on your behalf. If you do not have coverage or if you prefer to submit your own claims, your account will be designated as self-pay, and we will not bill your insurance company and you will be responsible for all the fees. In some cases, self-pay patients may be asked to pre-pay for certain procedures such as IVF and egg donation.Questions to Ask Your Insurance Company
- Is there a specific person who handles questions regarding infertility coverage? Request to see the insurance manual regarding infertility coverage.
- Is there a pre-existing condition limitation?
- What percentage of medical expenses is covered?
- Is there a co-payment for services or for medications? If so, what is it?
- What is the annual deductible?
- Is there a maximum out-of-pocket expense you can incur in a single year?
- Is there a need for pre-authorization of services?
- What procedures should be followed when filing a claim?
- Is there a specific pharmacy that should be used to order the medications?
- Is there a time limit for infertility treatments or a specified number of IVF cycles allowed?
Important Insurance Information
- Some insurers have a lifetime maximum for infertility treatment. We suggest you find out what this is before you start any infertility treatment.
- Pre-authorization may not guarantee payment. Claims may be denied or partially covered following the procedure. Patients covered under such policies are responsible for the payment of the balance.
- The State of Connecticut mandates that insurers cover infertility drugs and treatment. If you are under the age of 40, you qualify and will have your treatment covered. To learn more about Connecticut Public Act 05-1 96 – An Act Concerning Health Insurance Coverage for Infertility Treatment and Procedures, including what exactly is covered, click here.