Fertility Insurance

& Estimates

How to Determine Your Insurance Coverage

& Treatment Costs

Review your insurance policy. Contact them to help understand your benefits & ask detailed questions about fertility coverage.


Schedule a New Patient Appointment & provide us with your insurance information.


Our billing team will contact your insurance company to verify your level of coverage.


We’ll answer any questions you have regarding your coverage.

Insurance coverage and reimbursement for the testing and treatment of infertility is complex. Once you have become a patient with us we will be happy to assist you by completing an in depth insurance benefit determination. Our medical billing and insurance specialists are available to answer any insurance-related questions you may have.

Understanding Coverage

Prior to treatment:

Prior to treatment, we encourage you to take the lead in contacting your insurance company to better understand your plan benefits.

Infertility coverage?

The first question to ask with regard to our clinic’s services is if the specific plan you have offers infertility coverage, or coverage for fertility testing.

The vast majority of plans fall into 1 of 3 categories when it comes to infertility coverage:
The plan provides no coverage whatsoever for infertility services.

Unfortunately this is often 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 generally offers some coverage for fertility testing. The treatment phase 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 with us is covered.

Important Insurance Information:


ORM Fertility does not accept Medicaid or Medicare insurance plans. We will not bill Medicaid/Medicare for any services provided by ORM or RML as we are not participating providers. You will be financially responsible for all services and payment will be due at the conclusion of each office visit.

Out of Network:

If ORM Fertility is out of network with your insurance plan you may have limited coverage through an out of network benefit. We will check for out of network coverage as part of the insurance benefit determination process. The Reproductive Medicine Laboratory does not participate with insurances companies

Prior Authorization:
If a prior authorization is required for your services, it is your responsibility to determine if an authorization is on file before beginning your treatment cycle. If you wish to proceed with treatment prior to obtaining authorization you may be expected to pay out of pocket.
Medical Coding (Diagnosis):
Our physicians are specialists in Reproductive Endocrinology. If you are seeking care in order to achieve a pregnancy you can expect that most, if not all, of your visits will be coded (diagnosed) as infertility or infertility related.

*Please note, most insurances exclude any infertility services when infertility is a result of a tubal ligation or vasectomy.

Review of Claims:
Insurance companies have the right to review claims for proper reimbursement for up to three years after the claim is made. This means that reimbursements that were made in the past can be reversed. When this occurs, the insurance company can demand refund reimbursement from you or from our practice. Should an insurance company in the future deny benefits for services rendered in the past and thus request refund of payment to them, payment for the services becomes the responsibility of the patient.
Self-pay services

Please be aware that the Reproductive Medicine Laboratory (RML) does not participate with insurance plans. RML provides Embryology and Andrology laboratory services for testing and treatment. All services provided by RML will be on a self-pay basis, and payment is expected at the time of service. As a courtesy, claim forms will be filed to your insurance company for covered services with a request to reimburse the insured directly.

It is your responsibility to:

Card ID


Bring your insurance card and identification to every visit.



Obtain any necessary physician referral or pay at the time of service.

Copay Cash


Remit payment for services not covered by insurance.**

Learn More About Fertility Financing and Benefits

We will not become involved in disputes between you and your insurance company regarding eligibility, deductibles, co-payments, secondary coverage, non-covered services, etc., other than to provide factual information regarding medical services provided.

**Co-payments, deductibles, non-covered services, etc. are due at time of service with the exception of IVF Treatment Deposits which are due in full at the beginning of your treatment cycle.