In Vitro Fertilization Insurance Information

We understand there are many challenges associated with overcoming infertility, and a financial burden should not be one of them. You will be pleased to know that at Pacific NW Fertility, we participate with a number of insurance companies including:

  • Aetna 
  • First Choice 
  • Group Health 
  • Premera 
  • Regence Blue Cross/Blue Shield (out-of-state plans)*
  • United Healthcare/Optum** 

* check with our Financial Counselors for details
** Pacific NW Fertility is the Center of Excellence for this plan

We realize that fertility treatment can be a significant financial undertaking. Infertility treatment may or may not be covered by your insurance. We encourage you to fully understand your healthcare benefits prior to initiating treatment by calling your insurance plan. If your insurance coverage does not cover fertility treatment, please call our financial counselors at 206-582-3849 to receive an outline of patient financial responsibilities.

Newsletter Signup

Here is a list of Frequently Asked Questions you should review with your insurance company: 

  • ● What is the effective date of my plan?
  • ● Do I have coverage for infertility?
  • ● Is there any pre-existing condition limitation?
  • ● Do I have a deductible or out of pocket maximum due before my insurance will pay?
  • ● Do I need an authorization for office visits, labs, ultrasounds, insemination (IUI), or assisted reproductive technologies (ART) cycles?
  • ● Do I have coverage for diagnosis only or diagnosis & treatment?
  • ● Do I have coverage for insemination, in vitro fertilization (IVF), fertility medications, cryopreservation of embryos, sperm and embryo storage?
  • ● Do I have coverage for donor egg IVF cycles?
  • ● Is there a limit for dollars, time, or number of cycles?
  • ● Are there lifetime benefit limits or annual benefit limits?
  • ● Do I have any out-of-network benefits?

If your partner is having any services in our Andrology lab, he will also need to check his benefits. Male services could include a semen analysis, sperm prep for insemination, freezing and storage of sperm.

If you have a secondary insurance the same benefit information will be necessary.

Please contact a Patient Financial Counselor at 206.582.3849 if you have any questions. 

We have three beautiful children, all made possible through IVF at PNWF. We wouldn't change a thing about our family or our journey here.

Pacific NW Fertility Patient

Have any questions or comments? We can help. Get in Touch