Leaders in Fertility Research and Care
Timothy N. Hickman, M.D. | Laurie J. McKenzie, M.D. | Katherine K. McKnight, M.D.
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Insurance Q&A

How Can We Find Out If We Have Any Infertility Benefits?
Our financial counselors can call your insurance carrier to verify your benefits. We ask specifically which procedures are and are not covered. Make certain that you have a copy of your insurance plan with the listed benefits (insurance company and/or employer to provide). If you would like to know in advance, we have provided customizable letters for you to send to your insurance company and determine your treatment and medication benefits.

What Insurance Plans Cover Insemination and IVF Procedures?
All insurance plans vary depending on what particular plan your employer purchases. Understand that a particular insurance company may cover IVF but that your employer may have decided to not purchase that particular plan.

What Are We Responsible For If Houston IVF Does Not Participate In Our Insurance Plan?
If  Houston IVF does not participate with your insurance company you will be responsible for payment at time of service. As a courtesy to you, we will submit all claims and your insurance company will reimburse you according to your policy.

How much of my IVF cycle will insurance cover?
Insurance coverage for infertility treatments such as IVF varies widely between insurance plans. While coverage for IVF is not that common, you should check with your carrier or your employees' benefits manager. If you do have some level of coverage, our staff will work with you to obtain a predetermination and/or preauthorization from your insurance company before you begin your cycle of treatment.

We've been denied coverage. Now what?
If your claim has been denied, you may appeal. In fact, resubmissions are common. The key is to be prepared to address the issues that led to the denial. The more specific information you have, the better you'll be able to respond to your insurer's request. Learning how the medical industry codes treatments can also be helpful, since sometimes a denial can be attributed to a simple typo. A few digits can be the difference as to whether or not you're covered.

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