Best Fertility Insurance You Should Know

Oct 21, 2023 By Susan Kelly


UnitedHealthcare is the top choice because it offers affordable health coverage with a broad network of healthcare providers across 50 states. Based on the state you live in and your plan, the coverage offers fertility insurance. UnitedHealthcare provides coverage for items like ovulation stimulation (for women between the ages of 44) and insemination techniques, artificial insemination, intrauterine insemination, and assisted reproductive technology. Every state that requires certain types of fertility insurance is covered. Not covered are certain types of treatments, such as paying for egg donors and donor sperm and the long-term storage of eggs and sperm storage for embryos.

They are a part of a network that includes over 1.3 million doctors and more than 6,500 medical facilities. The cost of your plan is the copay, deductible, and deductible. Options will be contingent on the plan you select along with your state and the coverage level you select. UnitedHealthcare generally pays about 80 percent of cost-sharing plans. This means you could be required to pay 20% of your covered fertility treatments. UnitedHealthcare lets you manage your fertility care and pay through the mobile application and makes it much easier to communicate with fertility experts. A well-known insurance company, UnitedHealthcare, was founded in 1977. in 2020 AM Best gave UnitedHealthcare an overall financial strength rating of A-.


Cigna is a worldwide provider and has a vast range of services and networks that include infertility treatments with low monthly costs, and that's why they landed our top budget place. According to Cigna's website Cigna site, Bronze ACA policies (in regions in which Cigna is offered) begin at $300, with a deductible of $6,500 and an $8,550 maximum out-of-pocket. The coverage doesn't exceed the maximum, and the standard ACA rules are. It is important to note that prices can vary depending on where you reside.

Cigna policyholders can avail of diagnostic tests to determine if couples are infertile and treatment options for infertility. For women, this could include ovulation-inducing drugs and ovulation monitoring test treatments to clear obstructions within the fallopian tube, assisted embryo hatching, and other services. For men, the services offered include semen analysis, surgery to eliminate obstructions, endocrine treatments, and the extraction of sperm.

It is also possible to use the Cigna Choice Fund with HSA can also cover elective freezing of eggs and storage. Still, it is typically restricted only to insurance for groups. Also, since trying to conceive is difficult, Cigna members may enjoy the Healthy Rewards program that offers discounts on massages and other wellness services. Plans generally do not cover services that reverse voluntary sterilization, charges for donor's surrogate fees, Ovulation, pregnancy, and other tests.


The extensive online library of videos, tools, and information about infertility will assist you in learning more about fertility treatment and how you can access it. It also helps Aetna achieve the top extra resources slot. The plans offered by Aetna vary in the services they offer. Suppose your plan is a cover for infertility. In that case, you will be able to receive treatment for diagnostic tests, including physical examinations and treatments such as in vitro fertilization, assisted reproduction technology, and artificial insemination. They also exclude those trying to become pregnant after 40 years of age from their fertility-related health services.

Aetna has rating systems that identify the few fertility clinics designated as Institutes of Excellence (IOE). It is a small network of providers and facilities with excellent experience in offering treatment for fertility with excellent outcomes. The Aetna network includes 1.2 million health experts, more than 690,000 doctors, specialists, and more than 5,700 clinics. Aetna doesn't provide family or individual plans through the marketplace for health insurance. They provide Medicare, Medicaid, and employer-sponsored plans. They offer an app that assists you in managing your health to make managing your insurance simpler.

Blue Cross Blue Shield

The Blue Cross Blue Shield Association (BCBSA) offers more than 107 million members health insurance through its 36 different companies spread across each state. Most independent BCBSA businesses are accredited with the AM Best financial strength rating of A (Excellent). The main website will redirect you to the local provider once you enter your ZIP code. You can select from ACA plans that range from bronze to platinum in many areas. What exactly each plan provides is dependent on the location and state requirements.

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