FAQ

Can I buy IVF Insurance if I previously failed one or more cycles of IVF?

IVF Insurance must be purchased ahead of any treatment. A patient buys IVF insurance as they are starting the IVF journey. It is not available currently for purchase mid-way through your journey and after you have already failed one or more cycle. We do hope to expand coverage in the future. The exception is that if you are having a second IVF child, and have already had one child, then you are not excluded.

Is there any limit to how many cycles of IVF I can try?

IVF Insurance covers 2 failed cycles. You can try as many cycles as you want. However, you can only purchase IVF Insurance one time for a single live birth. Once you have had a successful live birth, if you want to do IVF again, then you can purchase a new IVF Insurance policy. In other words, you can purchase one IVF Insurance for each attempted child (or children) as long as the last attempt was successful

Are there any restrictions on the patient’s age, health conditions, or fertility diagnosis that could disqualify them from being eligible for the insurance?

Patients age 38 years or older who plan to use their own eggs are not currently eligible for coverage. However, patients 38 and older can qualify for coverage if using donor eggs. Other eligibility factors include lifestyle habits (like tobacco use), intended egg/sperm sources, and infertility history.

Overall eligibility for insurance is based on a wide range of factors. The best thing to do is simply apply for a quote, it’s fast and painless.

What is the application process like?

The process has two steps:

1) Complete a short online application to receive immediate feedback on eligibility and an estimated cost.

2) Complete a medical form with your IVF doctor to finalize your policy details and pricing.

Once approved, you can pay for and sign your policy to start your coverage.

Questions surrounding medical advice will always be best answered by your prescribing physician team.

Does the insurance require specific types of IVF protocols (e.g., fresh vs. frozen embryos) or exclude anything like PGT testing?

No. The insurance policy leaves the care decisions in you and your doctor’s hands. It only requires the completion of two IVF cycles prior to making a claim.

How exactly does BMI play a role in insurance underwriting?

BMI is one of the factors in underwriting and eligibility as it relates to the child bearer. It does not impact the eligibility as it relates to the applicant or egg source.

Are there limitations on the number of embryos transferred per cycle (like only single embryo transfers allowed)?

No. The policy is agnostic to your treatment plan. Those decisions are between you and your doctor.

Does the policy require a patient to try other fertility treatments (like IUI) before becoming eligible for IVF coverage?

No.

If your employer's health insurance covers the cost of the first 1-3 rounds, does that impact your eligibility to qualify for this insurance?

You can only purchase insurance to cover your out of pocket costs. You cannot collect on an insurance policy for cycles that you did not pay for.

What happens if there are complications with the pregnancy?

Your insurance policy is not impacted by what happens during the course of your pregnancy. IVF Insurance simply covers you if you do not have a successful live birth after two Cycles of IVF.

Can I switch my clinic during treatment?

Patients retain choice over which clinic and doctor they use. The insurance policy does not limit that. The clinic must be within the Future Family network.

Can I use IVF Insurance at any clinic?

You cannot purchase IVF Insurance to use at an out of network clinic. If you move to an in-network clinic, at that time you can purchase IVF Insurance.

What happens if treatment is interrupted for reasons outside the patient’s control, like a medical emergency or clinic issue?

The IVF insurance policy is valid for 30 months. The patient has 30 months to complete the two Cycles of IVF and make a claim. That is ample time to account for any minor delays during the process.

Are insurance premium payments FSA eligible?

Are insurance premium payments FSA eligible?

Does the insurance cover embryo freezing for additional embryos?

Your insurance policy is active for 30 months, so you have 30 months to complete 2 cycles of IVF and you can freeze embryos and use them for another transfer -- or child.

Can you confirm this insurance policy covers egg retrieval?

Yes; your policy is good for 30 months and covers the cost of treatment for every step of IVF.

How long does it take to get reimbursed once a claim is filed?

Once all claim information is submitted, typical processing time is 72 hours.

If a patient stops treatment early (e.g., after one failed cycle), do they forfeit the right to submit an insurance claim for a refund?

If you do not complete two Cycles of IVF then you cannot make an insurance claim.

How long do I have coverage for under my IVF Insurance?

20 months to complete 2 Cycles of IVF and transfer all viable embryos; and 30 months of total coverage. In other words, the 2 Cycles must be completed and allow for a pregnancy and live birth.

Are lab fees, medications, genetic testing, or PGT/PGS screenings covered, or do these incur additional costs?

The policy covers all expenses associated with IVF up to the limit you select, not to exceed $50,000. All of these treatment expenses could be included in the covered amount.

IVF Insurance

The First Nationwide IVF Insurance Program

Baby or Your Money Back

HOW IT WORKS

Like real insurance! You pay a premium and file a claim if needed, just like trip insurance.

Claims Made Simple

Insurance Plans Available

Single Cycle Coverage

Two Cycles Coverage

Two Cycles + Meds Coverage

Our Commitment to Cost Transparency

Lowest Cost Path to Success

More than 50% of Couples Need More Than 2 Cycles to Succeed

FAQ

IVF Insurance Explained