Chelsea Fertility NYC accepts most major insurance plans and will work to secure insurance coverage for those patients who are eligible.
Today, more and more insurance companies are offering coverage for the diagnosis and treatment of fertility issues. Because every plan is different, our professionals will meet with you to explain your individual coverage and eligibility so that you can make an informed decision about your care.
We understand that the financial impacts of fertility treatment can be challenging, so we are dedicated to working closely with patients and their insurance providers to help them obtain coverage for the fertility care they need. During your consultation, our financial counselors will also review any available payment plans and financing options that may help make fertility treatments — including IVF, cryopreservation and more — more manageable.
Chelsea Fertility NYC: Participating Insurance
- Aetna
- Anthem BC/BS (Blue Cross Blue Shield)
- Cigna
- UHC Choice Plus
- Oxford Freedom
- UMR
- New York City Employee PPO Plan (formerly GHI)
- HIP
- Emblem Health
If we do not participate with your insurance, we will accept your consignment payment as payment in full.
*Please note that this excludes facility fee, anesthesia and medications.
What that means in practice
Where your plan pays out to an out-of-network provider, we take that payment as settlement of our professional fee rather than balance-billing you for the difference. It is not an all-inclusive arrangement: the facility fee, anesthesia and medications sit outside it, as do items we bill separately in every case — medications through a specialty pharmacy, preimplantation genetic testing, and long-term embryo or egg storage. Our self-pay figures for each service, and what each fee does and doesn't include, are listed on the cost and pricing page.
The New York State infertility mandate
New York State's 2020 infertility mandate requires large-group commercial insurance plans (100+ employees) to cover up to three cycles of IVF. Small-group plans, self-funded employer plans, and out-of-state plans are exempt. Whether your specific plan is covered depends on the policy type — we verify this for you at consultation.
Even where IVF is covered, coverage is rarely total. You may still be responsible for copays, deductibles, medications, or additional services such as genetic testing. Whether preimplantation genetic testing is covered depends on your plan and your indication; coverage is more likely where there is a known genetic condition in the family or in either intended parent, and plans often distinguish between embryo biopsy for a specific inherited condition and elective testing. Our team reviews your benefits and explains what may be covered before you begin, so you have a clear understanding of your potential out-of-pocket costs.
Testing and IUI are often covered when IVF is not
IUI and standard diagnostic testing — bloodwork, ultrasound, HSG, semen analysis — are covered by many more insurance plans than IVF. Even when IVF isn't covered, the diagnostic workup often is. We'll tell you specifically what's covered for you before you incur any cost.
Egg freezing follows a different rule. Elective egg freezing, done to preserve fertility for future family building, is usually not covered by insurance but may be supplemented by your employer. Where fertility preservation is recommended ahead of certain medical treatments, insurance may cover part of the process.
Suggestions Regarding Insurance Coverage
- Become familiar with your insurance and learn what is covered as there are some evaluation tests and treatments that insurance may not cover.
- Contact your insurance provider to confirm coverage and make a note of the time, date and individual with whom you communicated with.
- Confirm that you have completed any pre-authorization or pre-requisite testing/treatment to qualify for coverage.
- Prior to changing insurance providers, check their benefits. Plans may differ and your may lose or gain benefits when switching.
- Be sure to ask for a copy of your insurance plan.
Bring your insurance card to your first visit or share it in advance. Our billing team verifies your benefits before you begin treatment and explains what your plan covers, what your out-of-pocket cost will be, and what pre-authorization is required. Our financial coordinator then gives you a written itemized estimate before you start — no surprise charges. We offer a free consultation for new patients — call 212-685-2229, or read the full cost and insurance FAQ.