What is the best fertility insurance? How do I choose the suitable option among other available ones? If you have questions, this guide has just what you need. Couples and individuals who are looking to begin the complicated and expensive journey of assisted reproductive technologies should consider getting fertility insurance.
Thanks to the accessibility and advancements of fertility treatments, having wide insurance coverage can help you reduce the financial burden. For this year, many insurance providers have surfaced to offer fertility coverage. In this comprehensive guide, we will be exploring the top fertility insurance plans to choose this year and how to make the right decision.
Best Fertility Insurance
Instead of an exhaustive list, I will be selecting the top and best fertility insurance providers to choose from. They include:
- Progyny.
- Aetna.
- UnitedHealthcare.
- Blue Cross Blue Shield.
- Cigna.
- Kaiser Permanente.
Progyny
Progyny is best for its wide range of ART (assisted reproductive technologies) services like egg freezing, in vitro fertilization (IVF), and fertility preservation. They are also recognized as a leading fertility coverage company because of its innovative and comprehensive approach.
What’s more, progyny offers benefits to support individuals or couples when it comes to fertility treatment. Apart from this, this insurance provider has a broad network of high-quality fertility specialists and clinics to ensure every policyholder enjoys luxurious care.
Aetna
Aetna is another popular provider with wide coverage options in this insurance scope. Furthermore, they are well-known for their additional resources. Available plans for fertility at Aetna include simple fertility treatments like IUI (intrauterine insemination), medications, and IVF.
Not only is this insurance company prominent for its wide range of coverage but also offers flexible coverage options. Therefore, you can customize your insurance plan based on your needs. Some of their additional coverage includes fertility preservation services for people who are undergoing medical treatments that can affect their fertility. For instance, cancer treatments.
UnitedHealthcare
This is among the best fertility insurance. They are considered the best because of their coverage. Not only do they have wide coverage options but extensive networks as well. In addition to this, their insurance plans cover a wide range of ART medical procedures like gestational surrogacy, IVF, and egg donation.
Apart from this, UnitedHealthcare offers counseling services, mental health support, and comprehensive benefits as well. Hence, if you are looking to protect your reproductive health for the future, choose UnitedHealthcare, as they provide fertility preservation options and services.
Blue Cross Blue Shield
When it comes to multiple rounds of treatments, Blue Cross Blue Shield is well-known for that. Even though their fertility insurance can differ by state, they usually have a robust range of assisted reproductive technology services.
In addition to this, Blue Cross Blue Shield provides fertility coverage plans that cover fertility medications, IVF, and IUI. Some states’ plans come with third-party reproduction services and fertility preservation coverage. Meanwhile, if you would like to enjoy quality fertility care, this insurance provider is known to provide access to a broad network of healthcare providers.
Cigna
Best for high-end treatments, Cigna is on the list of best fertility insurance providers in 2024 as they offer different options that meet the needs of different people. Some of their plans include egg freezing, fertility medications, and IVF.
Nevertheless, this company is popular for its comprehensive attitude toward fertility treatment because it usually includes counseling services and mental health support. In addition to this, they give members access to quality care and extensive fertility clinics and specialists.
Kaiser Permanente
This fertility insurance company is known for its excellent customer service, making it the best in terms of customer satisfaction. Kaiser Permanente also offers different fertility services, such as fertility medications and IVF.
Services like fertility preservation and counseling services are provided for individuals. So, if you would like to take care of your fertility health, you can enjoy their patient and preventive care education.
How to Choose the Best Fertility Insurance
Several important factors need to be considered when it comes to choosing the right fertility plan. Here is what you need to know:
- Network of providers.
- Coverage.
- Customized support.
- Treatments provided.
- Deductibles.
- Benefits.
- Cost.
- Limits.
- Copays.
- State-specific coverage.
Apart from all of these, if you need fertility preservation because of medical treatments or other possible reasons, you can find out if the policy type covers such services.
Frequently Asked Questions
What is the typical cost of fertility treatments covered?
The treatment cost or amount that is usually covered by insurance can differ depending on the insurance plan and the treatment. While some might need out-of-pocket expenses, some cover the full treatment cost.
Does fertility insurance cover egg donation or surrogacy?
The extent of this insurance coverage for surrogacy and egg donation depends on the specific plan and insurance provider, with varying levels of coverage.
How do I find out if my current insurance plan covers fertility treatments?
To find out if your current insurance plan covers fertility treatment, reach out to your insurance company or insurer to review the documents of your policy to find the level of fertility coverage.