Understanding IVF Insurance Coverage in Long Island, NY
Pursuing in vitro fertilization (IVF) is exciting, but the process can be overwhelming — especially when it comes to finances. Let’s break down what you need to know about IVF insurance coverage in Long Island, NY, so you can worry less about costs and focus more on growing the family of your dreams.
IVF and Fertility Preservation Law
Starting in January 2020, New York State implemented changes to its insurance law regarding health insurance coverage for IVF and fertility preservation services. The updated insurance law ensures:
- Up to three IVF cycles (fresh embryo transfer or frozen embryo transfer) to individuals who get their health insurance from a fully-insured employer who has coverage on the Large Group market (companies with 100 or more employees)
- Medically necessary fertility preservation treatments for people facing infertility caused by medical intervention, such as radiation, medication, or surgery
- No discrimination in insurance coverage based on age, sex, sexual orientation, marital status, or gender identity
To be eligible for IVF coverage, the insured individual must have a diagnosis of infertility. Infertility is defined as a disease or condition characterized by the inability to impregnate another person or to conceive after 12 months of regular, unprotected sexual intercourse, or after six months for women who are 35 years of age or older.
Reviewing Your Specific Insurance Plan
Before you start IVF, it’s important to review your insurance plan with your company’s HR department as well as your provider. Out-of-pocket expenses for IVF treatment depend on various factors, including the type of treatment you undergo and the number of cycles required for a successful pregnancy. The financial care team at New York Reproductive Wellness (NYRW) can help you understand the costs and explore insurance options to find the best solution for you.
Insurance Coverage at New York Reproductive Wellness
At NYRW, we accept the following insurance providers:
- 1199
- Aetna HMO/PPO
- Anthem
- Cigna HMO/PPO
- Emblem Health Plan (formerly GHI)
- Empire Blue Cross Blue Shield HMO/PPO
- First Health
- Horizon
- NYS Empire Plan
- Oxford
- United Health Care
We also offer fertility financing through CapexMD. Through our partnership, we offer customized loan programs with highly competitive rates that include various loan types. The loan programs cover all fertility treatment options, including fertility medications and genetic testing.
Start Your IVF Journey Today
Insurance and fertility treatments can be complex, but with support from the right fertility team, you can confidently grow your family. At NYRW, we’re committed to assisting patients like you in Long Island, NY, throughout the entire IVF process. This includes understanding costs and insurance coverage, as well as undergoing treatment with an expert team of reproductive specialists. Contact us today for more information or to schedule an appointment.
