Insurance for Fertility Treatment

At Perch Fertility, we know that building a family is a deeply personal journey, and financial planning is an important part of that process. Our goal is to make high-quality fertility care accessible by helping you navigate insurance coverage and flexible financing with confidence.

Our team is here to provide guidance and support, ensuring you understand your benefits and available payment solutions. Whether you have insurance coverage, need financing assistance, or are paying out of pocket, we will help you find the best path forward.

Insurance Coverage for Fertility Treatments

We are in-network with the following insurance providers:

Cigna
Blue Cross Blue Shield (BCBS)
Aetna

Understanding what your insurance covers can feel overwhelming, but you don’t have to navigate it alone. Our team can help you verify the plan benefits and explore all available options.

Insurance coverage for fertility treatments can vary widely. Some plans cover diagnostic testing but not treatment, while others may include partial or full coverage for procedures like IVF, IUI, or egg freezing. We recommend reviewing your policy and discussing details with your insurance provider.

Out-of-Network

If our providers are not in-network for your health plan, you may still be eligible for coverage through out-of-network benefits. Get in touch with our team to discuss your options.

How to Check Your Insurance Coverage

Not sure what’s covered by your insurance plan? Try the following steps.

Call Your Insurance Provider – Ask if your plan includes fertility benefits, including diagnostics, medications, and treatments like IVF or egg freezing.
Request a Benefits Breakdown – Find out about deductibles, co-pays, and any limitations on coverage.
Contact Our Team – We’re happy to verify your benefits, explain what’s covered, and help you understand any out-of-pocket costs.

Important Insurance Guidelines

To ensure a smooth billing process, here are a few things to keep in mind:

Bring your insurance card to each visit. If your details change, let us know promptly to avoid coverage delays.
Some treatments may require prior authorization. If your plan requires approval for a procedure, we’ll assist with the process, but your timely participation is key.
Respond quickly to insurance requests. If your provider asks for additional information, prompt responses can help prevent delays in coverage.
Be aware of coverage limitations. Some treatments may not be covered, and if a claim is denied due to missing or incorrect details, you may be responsible for the cost.

Financing Options for Fertility Treatments

Building your family should be about hope and possibility—not financial stress. At Perch Fertility, we believe that cost shouldn’t be a barrier to getting the fertility care you need.

We offer flexible financing options through PatientFi and Gaia, two trusted partners that help make fertility treatment more accessible and affordable. We understand that each patient has unique financial needs, and help you explore the financing options that match your fertility journey.

View our page on Financing Options to learn more.

Contact Us

If you have any questions about insurance, financing, or billing, our team can help. Call us at 201-775-0003 to discuss your options or get more information.

We are committed to making your fertility care as accessible and stress-free as possible.