Navigating the world of fertility treatment and IVF can feel overwhelming, but understanding your insurance coverage shouldn’t be. IVFMD understands the importance of affordability and accepts most insurance plans to help our patients get the most out of their benefits and manage the cost of fertility treatments.
Many patients are surprised to learn that some insurance plans include fertility care coverage. From diagnostic tests to medication and procedures like IVF, exploring your insurance options can help ease the financial burden of building your family. Our team is here to help you focus on what matters most—your path to parenthood.
Whether you're just starting out or already deep into your treatment plan, figuring out what your insurance covers can be confusing. That’s why we’re here—to guide you every step of the way. At IVFMD, we’re more than a fertility clinic; we’re your partner in making sense of fertility insurance and maximizing your benefits with confidence.
A Dedicated Team of Fertility Insurance Experts
At IVFMD, our experienced financial counselors specialize in navigating the complexities of fertility insurance. From the moment you become a patient, our team works on your behalf—contacting your insurance provider, reviewing your benefits, and verifying what’s covered.
We know how important it is to have clarity around costs. That’s why we explain your coverage in detail, whether it’s full, partial, or out-of-network, and walk you through any potential out-of-pocket expenses upfront. Our team is also skilled at identifying hidden benefits that may not be immediately obvious in your policy, helping you avoid billing surprises down the road.
By simplifying the insurance process, we empower you to focus on what truly matters: your care, your choices, and your path to parenthood.
Participating Insurance Providers
IVFMD’s financial counselors are here to help you understand and make the most of your insurance coverage. From your initial plan review through treatment coordination, our team will walk you through each step—answering questions, verifying benefits, and making sure you know exactly what to expect.
Below are our participating insurance providers and plans. Call us today if you don’t see your plan below, as new plans are frequently being added.
This insurance list is subject to change and may vary by physician and location. Please call to confirm before your appointment.
Aetna
AvMed
BlueCross and BlueShield (BCBS; Florida Blue)
Cigna
Community Health Partners (CHP) – Dr. Alford
Golden Rule/United HealthCare (UHC)
JMC Health Network – Dr. McCarthy
Kindbody
Maven Gold
MultiPlan
Neighborhood Health Partnership (NHP)/UnitedHealthcare (UHC)
Oxford
Private Healthcare Systems (PHCS)
Progyny
TriCare (out-of-network coverage)
United HealthCare (UHC) – Golden Rule, Optum, Oxford, UMR
United Medical Resources (UMR)/UnitedHealthcare (UHC)
WINFertility
Start Your Fertility Journey With Confidence
Your first step toward understanding your insurance coverage starts with a consultation. At IVFMD, we’ll take care of verifying your benefits and reviewing your plan, so you don’t have to.
Let us handle the details, while you focus on what truly matters: building your family.
Does Insurance Cover IVF and Fertility Treatments in Florida?
In Florida, insurance coverage for IVF varies widely, with some plans offering comprehensive coverage while others provide limited benefits. It’s crucial to review your policy carefully and consider consulting with a fertility specialist to explore all your options. While not all plans cover the complete cost of fertility treatment, many offer partial coverage or discounts for specific services. By taking the time to understand your insurance, you can make informed decisions about your fertility journey.
At IVFMD, our financial team will help you review your individual plan and explain what’s included—whether that’s diagnostic testing, medications, IUI, IVF, or other procedures. No two insurance policies are alike, but we’re here to help you uncover what’s available and make the most of your benefits.
Understanding Fertility Insurance in South Florida
Fertility insurance coverage in Florida depends heavily on your insurance plan. While there is no broad statewide mandate requiring insurance companies to cover IVF, some policies do offer partial benefits, especially for diagnostic testing, fertility medications, or medically necessary procedures.
Starting in 2026, Florida’s state employee health insurance plans will be required to cover fertility preservation services for individuals at risk of infertility due to cancer treatment. This includes the retrieval and storage of eggs, sperm, or ovarian tissue when cancer therapies may lead to infertility, a condition known as iatrogenic infertility. Coverage will apply for up to three years after treatment or until the patient is no longer on the plan.
Even if you don’t fall under this specific mandate, you may still have access to valuable coverage through your individual or employer-sponsored plan. At IVFMD, our financial counselors review each patient’s plan in detail, help uncover any eligible benefits, and advocate on your behalf to maximize what your insurance can offer.
What Fertility Services Are Typically Covered by Insurance?
Fertility insurance coverage varies widely by plan, but many policies include at least some benefits that can help offset the cost of care. Commonly covered services include:
Fertility evaluations and diagnostic testing
Ultrasounds and bloodwork
Ovulation induction and intrauterine insemination (IUI)
Partial coverage for IVF
Fertility preservation when medically necessary (such as before cancer treatment)
Other services may be less commonly covered or considered elective, including:
At IVFMD, we offer personalized insurance reviews to help you understand exactly what your plan includes and what your out-of-pocket costs may be. Our goal is to eliminate confusion so you can focus on your treatment with confidence.
How Much Does IVF Cost With and Without Insurance?
Understanding the cost of IVF is an important part of planning your fertility journey. At IVFMD, we believe in transparent, up-front pricing so you can make informed decisions—whether you have insurance or are paying out of pocket.
With insurance: Some insurance plans cover portions of IVF, such as diagnostic testing, monitoring, or fertility medications. However, patients are often still responsible for co-pays, deductibles, and any services not covered under their plan.
Without insurance: The average cost of a single IVF cycle ranges from $13,000 to $20,000, depending on the treatment plan. This typically includes services like ultrasounds, lab work, egg retrieval, fertilization, embryo transfer, and follow-up visits. Costs such as medications, anesthesia, and genetic testing (PGT) are usually billed separately.
No matter your situation, our team will clearly outline all expected costs and help you explore financing options, discounts, or package pricing to make your treatment more manageable.
Frequently Asked Questions About Fertility Insurance
In Florida, there is no specific legislation about fertility care written into its insurance code. As a result, insurance coverage for fertility treatment and IVF varies depending on your specific insurance plan. Some insurance plans do offer coverage for fertility treatments, including diagnostic tests, medications, and procedures like IVF. However, the extent of coverage can vary widely, and not all plans provide comprehensive coverage. It’s important to review your insurance policy carefully and consult with your fertility clinic to understand what is covered and what costs you may be responsible for.
The cost of fertility treatments, including IVF, can be a significant concern for many patients. That’s why IVFMD offers a range of financing options to help make these treatments more accessible to a wide range of budgets. Our fees for assisted reproductive technology services are among the most competitive in South Florida and beyond. We offer various financial packages and discounts to help you manage the cost of your treatment, including free second opinions, a price assurance program, multi-cycle packages, multiple financing lenders, and more. Learn more about our fertility financing options.
The cost of IVF is influenced by several factors, including the complexity of the treatment needed, the number of cycles required, the need for additional procedures like genetic testing, the use of donor eggs or sperm, and any insurance coverage or discounts available. Additional costs may include medications, anesthesia, cryopreservation, and storage. Each of these factors can vary significantly, impacting the overall cost of IVF treatment.
The cost of IVF with insurance depends on your specific plan. Some policies cover only certain services, like diagnostics or medications, while others include partial or full IVF coverage. Our team will review your benefits and explain your expected out-of-pocket costs before treatment begins.
Without insurance, a single IVF cycle in Florida typically costs between $13,000 and $20,000. This may include monitoring, retrieval, lab work, and embryo transfer, but often excludes medications, anesthesia, and optional services like PGT. IVFMD provides clear pricing and financing support to help you plan confidently.
Insurance coverage for egg freezing varies. Some plans may cover fertility preservation if medically necessary, such as before cancer treatment, while elective egg freezing is often excluded. IVFMD will review your plan to determine whether any portion of the cost is covered under your current benefits.
Insurance coverage for IVF after tubal ligation depends on your plan. Some policies exclude IVF if sterilization was voluntary, while others may still offer partial benefits. Our financial counselors will help you review your plan and explain your coverage based on your unique situation.
Like tubal ligation, IVF after a vasectomy is often considered elective and may not be fully covered. However, some plans offer partial benefits for related services. IVFMD will work with you to understand your coverage and explore financing options if needed.
Coverage for LGBTQ+ family building varies by insurance provider. Some plans may include benefits for assisted reproduction regardless of sexual orientation, while others may have more limited coverage. Our team will advocate for you and help clarify what services your plan includes.
Some insurance plans include fertility medications as part of IVF coverage, while others require separate pharmacy benefits or offer limited drug coverage. Our financial team will check your plan, explain what’s included, and help you access any available discounts or programs.
Yes, in most cases, eligible IVF-related services apply toward your insurance deductible. However, this depends on how your plan classifies fertility care. We’ll help you understand how your deductible works, what costs apply, and what to expect throughout your treatment.
Explore Your Fertility Insurance Coverage in South Florida
IVFMD is proud to help our patients make their path to parenthood more accessible. Our team is dedicated to making it easier for you to navigate the costs of fertility care. Schedule a consultation at one of our fertility clinics in Boca Raton, Cooper City, Miami, Jupiter, Naples, or Viera to learn more about our fertility cost options, accepted insurance plans, and a treatment plan tailored to you.
