While our medical team develops a unique infertility treatment plan for each patient, our financial counselor helps patients understand costs and financing options that are right for them.
- Health insurance coverage (jump to topic): Things to know about paying for treatment include your specific insurance coverage and other ways to save on costs. We provide a health insurance checklist below.
- IVF cost and fertility pricing: Insurance coverage, medication costs, unique treatment plans and discounts available all impact the final cost of treatment, which can vary from patient to patient.
- Financial counseling: Our financial counselor is here to help patients understand costs, financing and discount options to create a plan.
Understanding insurance coverage for infertility treatment & IVF costs
Insurance coverage for infertility, artificial insemination and in vitro fertilization (IVF), one of the most popular and well-known fertility treatment options, varies greatly. Most insurance plans cover no infertility services, a few may pay for all of it, and others are somewhere in between.
Louisiana is not one of the 15 states where laws mandate insurance coverage of assisted reproductive technologies such as IVF. This means that a person’s insurance plan will dictate fertility coverage, if any, so it’s important to check with your insurance provider before beginning treatment.
Each private healthcare insurance plan can be different, particularly regarding coverage for infertility treatments. Knowing plan benefits, exclusions and all other factors is the responsibility of our patients.
Health insurance coverage to-dos & checklist
We know it can be hard to predict what fertility treatment expenses will be and what information you will need from your insurance provider. To better understand your insurance benefits and potential costs for fertility treatment, we’ve compiled this checklist.
- Connect with your insurance carrier to find out whether your policy requires a referral or preauthorization for coverage.
- Review your policy to determine specific insurance coverage (if any) for fertility treatment.
- If benefits are included, look into limitations, exclusions or caps to benefits (yearly maximum benefits or specifics on when IVF benefits kick in, for example).
- Plan to pay for services not covered by insurance (co-payments, deductibles, out of scope services, etc.). These are considered “self-pay” fees and are due at the time of service unless a treatment deposit or financing plan has been set up in advance.
IVF costs and fertility treatment pricing
The Fertility Institute of New Orleans (FINO) offers very competitive IVF costs and pricing for other fertility treatments. Our doctors partner with patients to develop customized treatment plans based on their budget, diagnosis and goals.
For this reason, along with the differences in insurance coverage and medication costs, final fertility treatment pricing varies from patient to patient.
Because insurance often doesn’t cover the full cost of fertility treatment, FINO offers unique IVF discounts and financing programs to help make treatment more affordable.
Once a personalized treatment plan has been developed, our financial counselor and provider team will present detailed cost estimates including financing or discount recommendations.
Don’t assume that fertility treatments are out of budget. The final cost depends on multiple factors and we work hard to make treatment affordable.
Financial counseling for fertility treatments
We understand that fertility treatment often brings about a lot of questions. We do our part to relieve stress and concerns in an already heightened emotional time. This is true about treatment plans as well as the costs involved.
This is why our dedicated financial counselor works with each patient to understand what approach to treatment best fits his or her budget, while verifying insurance coverage, lending and discount options, as appropriate.
FINO is Louisiana’s first IVF clinic. Our expertise is only surpassed by our compassion and dedication to our patients. Don’t let fear of financial burdens keep you from starting a family.