At NYU Langone Fertility Center, we know that the cost of fertility treatment is an important consideration—but it shouldn’t stand in the way of building your family. Increasingly, insurance providers are offering coverage for infertility diagnosis and treatment, and we collaborate with numerous major insurers to help our patients access these benefits.
Coverage can vary, however, and many plans include specific limitations or restrictions. Before starting treatment, it’s essential to verify your policy details with your insurance company or employer.
No matter where you are in your fertility journey, our dedicated financial counselors are here to answer your questions, clarify your benefits, and guide you step by step through the financial process with compassion and expertise.
A Dedicated Team of Fertility Insurance Experts
Insurance can feel overwhelming, but you don’t have to navigate it alone. At NYU Langone Fertility Center, our financial counselors are here to simplify the process by contacting your provider, reviewing your benefits, and verifying coverage on your behalf.
We believe transparency is key. That’s why we explain any potential out-of-pocket expenses upfront and help you uncover benefits in your plan that you may not realize you have. With our team advocating for you, you can move forward with clarity and confidence at every stage of your fertility journey.
Participating Insurance Providers
NYU Langone Fertility Center participates with a wide range of insurance providers to make fertility care more accessible for our patients. Below is a list of the plans we generally work with.
Even if your plan isn’t listed, our financial counselors can help you explore your benefits and discuss available options. Please note that this list is subject to change and may vary by physician and location, so we encourage you to confirm coverage before your appointment.
Aetna
Carrot
Cigna
CoreSource
Empire BCBS
Horizon Blue Cross Blue Shield of NJ
Horizon Federal
Kindbody
Maven
Meritain
Optum
Oxford Health Plans
Progyny
United Healthcare
Start Your Fertility Journey With Confidence
The first step toward treatment is scheduling a consultation at NYU Langone Fertility Center. As part of your visit, our financial counselors will review your insurance coverage, verify your benefits, and help you understand your options—so you can begin your journey with clarity and confidence.
Does Insurance Cover IVF and Fertility Treatments in New York City?
In New York, large group health plans are required by state law to cover the diagnosis and treatment of infertility, including in vitro fertilization (IVF) and other types of assisted reproduction. However, this mandate doesn’t apply to small group or individual plans, where coverage for IVF may be limited or require an employer's decision to include it in the benefits package. If your plan doesn't cover the total cost of fertility treatment, it may still offer partial coverage or discounts for certain services, such as diagnostic testing and medications.
NYU Langone Fertility Center's financial team can determine what's available in your policy, helping maximize your benefits and empowering you throughout your IVF journey.
Understanding Fertility Insurance in New York City
Insurance coverage for fertility services can vary in New York depending on your specific plan. New York has laws requiring many insurance plans, specifically for large groups, to cover fertility treatments, including IVF. However, some employers are not required to offer it if they are self-insured or if their plan is for a small group.
Regardless of your unique circumstances, you may still have access to coverage through your personal or employer-sponsored health plan. NYU Langone Fertility Center's financial counselors can identify any eligible benefits in your plan and advocate on your behalf, helping to reduce your out-of-pocket expenses.
What Fertility Services Are Typically Covered by Insurance?
Fertility insurance coverage varies, but commonly covered services include:
Our financial team will ensure you understand all of your options before proceeding with treatment.
How Much Does IVF Cost With and Without Insurance?
It’s important to understand the costs associated with IVF before starting your journey. Whether you have insurance or are paying out of pocket, NYU Langone Fertility Center is here to provide transparent and upfront pricing at every step.
With insurance:
Depending on your insurance plan, you may have coverage for fertility care or related services, like diagnostic testing and fertility medications. It’s essential to check with your employer about your fertility benefits and speak with one of our financial counselors to thoroughly review your plan.
Without insurance:
The cost of a single IVF cycle can range from $17,600 - $21,200. These fees typically encompass ultrasounds, laboratory work, egg retrieval, fertilization, embryo transfer, and follow-up visits; however, they don't normally include medications, anesthesia, or genetic testing.
Regardless of your unique needs and treatment plan, we'll guide you through all expected costs and help you explore financing options and discounts to make treatment more affordable.
Frequently Asked Questions About Fertility Insurance
IVF coverage depends on your employer and your specific plan. New York has laws requiring many insurance plans, specifically for large groups, to cover fertility treatments, but it’s important to check with your HR representative before proceeding with treatment.
IVF costs with insurance can vary. Some policies cover only specific services, like diagnostics and medications, while others provide partial or complete coverage for IVF. Before you begin treatment, we'll review your benefits and outline your expected out-of-pocket expenses.
The cost of a single IVF cycle can range from $17,600 - $21,200. These fees typically encompass ultrasounds, laboratory work, egg retrieval, fertilization, embryo transfer, and follow-up visits. Our financial team will review your unique case and tell you your expected out-of-pocket costs ahead of treatment.
New York law requires that all individual and group health insurance policies providing maternity benefits must also cover fertility preservation services under certain conditions, such as ahead of cancer treatment. We'll review your specific plan to determine what coverage options are available to you.
Most insurance plans don’t pay for IVF after tubal ligation, since it’s considered elective. However, some plans may provide partial coverage. We can review your specific situation and see what your employer offers.
Similar to IVF after a tubal ligation, fertility treatment after a vasectomy is typically considered elective and isn't usually covered. However, our financial counselors can help you uncover any potential benefits available.
New York's fertility coverage for LGBTQ+ individuals is evolving, with state laws and insurance settlements requiring coverage for infertility. However, limitations remain for small group and self-funded plans. Our team is here to advocate for you and ensure you know exactly what services your plan covers.
New York law requires certain insurance plans to cover fertility medications for diagnosis and treatment, although this coverage may vary depending on your specific plan. We can review your specific plan and any available discounts or programs that may apply to you.
IVF costs typically count toward your health insurance deductible in New York. However, this depends on how your plan classifies fertility care. New York Langone Fertility Center is here to help you understand how your deductible works and what to expect throughout your treatment.
Ready to Start? Schedule a Consultation Today
Fertility insurance can be complex, but New York Langone Fertility Center is here to make it easier to navigate. Our goal is to make your path to parenthood as accessible and affordable as possible. Schedule a consultation at one of our fertility clinics on the East Side or West Side of Manhattan, or in Westchester, NY.
