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Affording fertility care

Fertility Insurance Coverage and Benefits Programs

Understanding your fertility insurance coverage can be daunting, but by breaking it down into manageable steps, you can simplify the process. The good news is that with California’s mandated insurance coverage for fertility care, most health insurance plans in California are required to cover testing and treatment.  

View Accepted Insurances

Accepted Insurances & HMOs

  • Aetna

  • Anthem Blue Cross

  • Blue Cross / Blue Shield

  • Cigna

  • Greater Newport Physicians (HMO)

  • Health Plan Services (Supplemental Insurance Plans)

  • Healthnet (HMO)

  • Memorial Care (HMO)

  • Meritain Health (Supplemental Insurance Plans)

  • Monarch Healthcare (HMO)

  • UHC

Fertility Benefits Programs

SCCRM partners with fertility benefits programs to make fertility care more accessible and affordable for individuals and families. Unlike traditional insurance plans, these specialized benefits focus exclusively on fertility treatments and often provide comprehensive coverage for advanced procedures like in vitro fertilization (IVF), egg freezing, intrauterine insemination (IUI), genetic testing, and donor or surrogacy services

Some of the fertility benefits programs we work with include:

  • Progyny

  • WIN Premier Carve-out contract

  • Carrot Fertility

  • Maven Fertility

  • & more not listed above

Progyny

SCCRM partners with Progyny, a leading fertility benefits program, to help make fertility care more accessible. With Progyny’s fertility benefits, you’re eligible to begin the most effective treatment for your needs right away—no need to try less effective options first. This approach aligns with SCCRM’s commitment to creating customized treatment plans that help each patient achieve a healthy pregnancy as quickly and smoothly as possible

Through this partnership, you’ll also have access to resources like:

  • Patient Care Advocate for comprehensive fertility support

  • Digital emotional tools through Happify to support emotional well-being

Check Your Coverage: many employers offer Progyny as a supplemental benefit. Contact your HR department or Progyny at (212) 888-3124 to confirm your coverage

Visit the Progyny Website

Maven

Whether you’re trying to conceive, starting IUI or IVF, pursuing surrogacy, or considering adoption, Maven makes it easy to get financial, clinical, and emotional support. Through Maven’s digital platform, you can review your benefits, message a Care Advocate with any questions, and get 24/7 virtual support from over 30 types of providers and specialists in one place.

SCCRM is proud to be a partner of Maven, exceeding their rigorous quality and patient satisfaction standards.

Visit the Maven Website

6 Tips for Understanding Fertility Insurance Coverage

  • It is important to confirm what your specific policy will cover, such as in vitro fertilization (IVF), intrauterine insemination (IUI), or egg freezing. Be sure to look for specific terms like "assisted reproductive technology (ART)" or "infertility treatment".

  • Once you've confirmed coverage, identify any limitations or restrictions. These may include lifetime maximum benefits, dollar limits, or prerequisites like trying less invasive treatments before moving to IVF. Be aware of exclusions like donor eggs, sperm, or surrogacy, which may not be included in your plan.

  • Confirm that SCCRM is in-network to maximize coverage and minimize out-of-pocket costs.

    View our accepted insurances.

  • Check if pre-authorization is required for certain treatments and work with your care team to submit the necessary documentation to your insurance provider.

  • Don't overlook fertility medications, which can be expensive. Ensure they are covered under your prescription plan and find out if there are specific pharmacies you need to use.

  • Finally, never hesitate to contact your insurance provider directly. They can offer detailed information about your coverage, clarify what's included or excluded, and guide you on how to optimize your benefits.