Fertility Insurance That Covers IVF & More Treatments In Arizona

Fertility Insurance Benefits

Arizona Center for Fertility Studies physicians are in-network providers for the following insurance plans:

• Aetna Healthcare
• Blue Cross Blue Shield (BCBS)
• Cigna Healthcare
• Coventry Health/First Health Network
• Humana
• MultiPlan/PHCS (Private Health Care Systems)
• TRICARE
• UnitedHealthcare

Will my fertility treatment be covered?

When it comes to fertility insurance benefits, it pays to be in the know. Arizona Center for Fertility Studies will perform a verification of benefits and financial consultation for you before any treatment begins. This will provide you with details about your coverage for the diagnosis and treatment of infertility--including your deductibles, your plan limits, and whether you have any in-network or out-of-network benefits--so that you will fully understand how much help you can expect from insurance and what your financial obligations may be.

Insurance coverage for fertility treatment is variable and determined by your employer’s insurance plan. The state of Arizona does not require employers or insurers to offer benefits for fertility treatment. As a consequence, most patients can complete the majority of their diagnostic evaluations through insurance without major financial impact, but the costs for fertility-specific treatments, such as IUI and IVF, remain a significant out-of-pocket expense for most Arizona residents. If this situation applies to you, then you should not feel forced to choose a fertility clinic that contracts with your insurance company because the treatment portion of your care (the most important part) will not be covered by your insurance whether you are working with an in-network facility or not. You should instead choose the fertility center offering outstanding results and the best overall fit for your needs.

At Arizona Center for Fertility Studies, we excel in the diagnosis and treatment of infertility and offer competitive pricing and financial incentives to help manage the cost of your care. We do not currently contract with any insurance companies, but we do accept out-of-network insurance benefits and will work with you to minimize your out-of-pocket costs and maximize your success whether you are using a fertility treatment benefit or not. Very importantly, most of the initial workup can be completed through your insurance with minimal out-of-pocket cost, saving your resources for treatment if needed. 

If you have any questions about your fertility insurance benefits or treatment options, please give your ACFS fertility team a call today.