Top Fertility Insurance Companies – Fertility insurance is a specialized type of health insurance that helps cover the costs of conception, pregnancy, and related medical issues.
For new moms, fertility checks are essential throughout pregnancy to ensure the health of both the mother and baby. With fertility insurance, many of these expenses can be covered, easing the financial burden.
Several health insurance companies offer fertility insurance, but knowing which ones are the best is crucial when making a decision. Many parents rely on this insurance to cover significant costs, such as in vitro fertilization (IVF), medical tests, and treatments for childbearing-related issues. In some cases, it also covers pregnancy health and even procedures like artificial insemination.
When choosing the top fertility insurance provider, it’s important to consider factors like premium costs, insurance rates, and the terms of the policy to ensure you select the best plan for your needs.
Top Fertility Insurance Companies
Depending on rates, terms, and customer reviews, several fertility insurance companies have gained top ratings. These companies offer benefits to new moms, making insurance more affordable as well as making it easier to cover medical bills. While there are several fertility insurance companies, here are some of our top:
Blue Cross Blue Shield
This fertility insurance company, which is also a part of ACA insurance plans, has the best average cost for fertility insurance premiums, copayments, and deductibles.
This insurance company maintains its list of Blue Distinction Centers for Fertility Care Providers, which meets BCBS standards for access, quality, and cost.
Blue Cross Blue Shield (BCBS) insurance plans include wide coverage for a range of diagnostic treatments in some states. While in other states. BCBS has connected with the app Ovia, which offers fertility treatments and pregnancy tools.
Kaiser Permanente has the highest NCQA rating, customer satisfaction, and quality measure among other health insurance companies. This insurance company requires a low out-of-pocket cost for fertility treatment.
Kaiser Permanente
It charges 20% or 30% coinsurance and a flat office copayment fee across metal tiers. Kaiser Permanente offers the lowest average premiums among other health insurance companies.
UnitedHealthcare
This health insurance company offers a wide network of over 1.3 million healthcare providers. These providers include a wide range of fertility treatment providers.
UnitedHealthcare insurance plans offer a wide range of health services, including in vitro fertilization and artificial insemination. Some UnitedHealthcare workplace plans may also cover injectable medications.
In these plans, the out-of-pocket payment for fertility treatment ranges from 40% to 50%.
Cigna
Among most health insurance companies that offer fertility health insurance, Cigna offers flexible fertility insurance to policyholders across different states. It considers services like IVF as not necessary medically, but yet it offers coverage for them, unlike other health insurance companies.
However, this insurance company is known as one of the most cost-effective insurance companies in the market, and they can be gotten through the ACA marketplace.
Furthermore, it is important to note that Cigna’s low insurance cost is given for a reason. Policyholders may not always be able to get flexible health insurance through Cigna in some areas. This may cause them to make more out-of-pocket payments in these cases.
Frequently Asked Questions
Can I Buy Fertility Insurance?
Yes, fertility insurance can be purchased as a standalone policy, but only through an employer’s group health insurance. These plans are not sold to individuals directly.
However, in some states, you can select health insurance with fertility services through the Health Insurance Marketplace. Some people prefer to purchase a Marketplace health insurance plan with excellent treatment coverage along with their employer coverage.
Is Fertility Insurance Costly?
Generally, fertility treatments are costly, but regular health insurance plans now offer fertility treatments. Getting a more expensive health insurance plan may cover fertility treatments more if you reside in states that don’t make it mandatory.
However, this insurance costs differently, but it is less expensive than paying for treatments out of pocket.
Does Health Insurance Cover Fertility Treatment?
Some private health insurance plans cover fertility treatments but do not pay for more costly treatments. However, in some states, some forms of coverage for fertility treatments are mandatory in some cases. It is important to confirm if this coverage is offered in your state to see whether or not you are covered.
Why Is Fertility Treatment Not Covered By Insurance?
Fertility treatments don’t fall under the necessary medication category. Your health and life are not at risk if fertility treatment is not taken. For this reason, this treatment is not a necessary process taken by most health insurance companies.
Policyholders who require this treatment are responsible for this payment out-of-pocket or get additional coverage on their health insurance to cover the cost.