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At the Center for Reproductive Medicine (CRM), we believe that the costs of fertility treatment should not prevent our patients from fulfilling their dreams of starting or expanding their families. Fortunately, an increasing number of insurance providers and plans now offer coverage for the diagnosis and treatment of infertility. We work with many major insurance companies to accept coverage for infertility programs.
However, insurance policies can be complex. Even those providers that offer coverage for infertility and IVF often have limitations and restrictions. We strongly recommend that you contact your insurance company or employer to clarify what your specific policy does and does not cover before starting any infertility treatment program.
No matter where you are in your fertility journey, the financial counselors at CRM are here to answer your questions and provide unwavering support, from the financial process to treatment coordination and beyond.
The financial counselors at CRM understand fertility insurance and can help you navigate this often confusing process. Our team will conduct a benefits review after your new patient visit to ensure you know exactly what’s covered and what you’ll need to pay out of pocket. You will receive a message from our financial team within the next business day regarding your benefit information.
We recognize that fertility finances can make receiving treatment more stressful. That’s why our financial team prioritizes transparency at every step. Our goal is to make treatment as accessible and affordable as possible, so our patients can focus less on finances and more on growing their families.
Insurance coverage depends on various factors, including your provider and the specific plan you have. We'll walk you through everything so you know what to expect before treatment begins.
Below are our participating insurance providers and plans. Call us today if you don’t see your plan below, as new plans are frequently being added.
This insurance list is subject to change and may vary by physician and location. Please call to confirm before your appointment.
Understanding your insurance coverage begins with a consultation with the Center for Reproductive Medicine's experienced financial team. We'll help verify your benefits and review your plan so that you can start treatment with confidence.
For fertility patients in Florida, insurance coverage for IVF can vary widely. Some plans offer comprehensive coverage while others provide limited benefits. It's essential not only to review your policy but also to consult with a fertility specialist to explore all your options. If your plan doesn't cover the complete cost of fertility treatment, it may still offer partial coverage or discounts for specific services associated with your care, such as diagnostic testing and medications.
CRM's financial team can help you discover what's available in your policy, maximizing your benefits and empowering you throughout your IVF journey.
Florida fertility insurance coverage depends on your specific plan. There are currently no statewide mandates requiring insurance companies to cover IVF, but some policies offer partial benefits for diagnostic testing, fertility medications, or medically necessary procedures.
Starting in 2026, Florida's state employee health insurance plans will be required to cover fertility preservation services for individuals at risk of infertility due to cancer treatment, known as iatrogenic infertility. These services include egg, sperm, or ovarian tissue retrieval and storage.
Regardless of your situation, you may still have access to coverage through your individual or employer-sponsored plan. The financial counselors at the Center for Reproductive Medicine will review your plan in detail, help uncover any eligible benefits, and advocate on your behalf to maximize what your insurance can offer.
Fertility insurance coverage varies, but many policies include at least some benefits for patients undergoing IVF and other treatments. Commonly covered services include:
Services considered elective are less likely to be covered. These include:
CRM will help you understand your coverage, so you know exactly what to expect before treatment.
Every person's IVF journey is unique, but it's important to have an idea of fertility treatment costs as you plan your next steps. CRM is committed to being transparent and up-front with our pricing so you can make informed decisions.
With insurance:
While some insurance plans cover portions of IVF, like diagnostic testing or fertility medications, patients are often still responsible for co-pays, deductibles, and additional services.
Without insurance:
Depending on the treatment plan, a single IVF cycle ranges from $12,500 to $19,000 depending on many factors such as PGT testing. Costs typically include ultrasounds, blood monitoring , egg retrieval, conventional insemination, embryo culture, and cryopreservation. . Medications, frozen embryo transfer and genetic testing (PGT) are usually billed separately.
Regardless of your specific coverage, we'll outline your expected costs and review financing options, available discounts, and package pricing to make paying for treatment more manageable.
There is no specific legislation about fertility care written into Florida’s insurance code, making coverage unique to each person's plan. Some plans offer benefits for IVF-related services, such as diagnostic tests and medications, but the extent of coverage can vary significantly. Before starting treatment, it's essential to review your policy carefully and consult with CRM's fertility counselors to understand what's covered and what costs you may be responsible for.
IVF costs with insurance depend on your plan and range from limited to comprehensive coverage. Our team can help you navigate the insurance process and ensure you understand your expected out-of-pocket costs before you start treatment.
A single IVF cycle in Florida without PGT typically costs between $12,500 and $17,000 for patients without insurance. This pricing includes monitoring, retrieval, conventional insemination, embryo culture, and cryopreservation of embryos. This price does not include medications, anesthesia, or the frozen embryo transfer. IVF cycles with PGT typically cost between $15,000 and $19,000. This pricing includes ultrasounds and blood monitoring, conventional insemination, embryo culture, embryo biopsy, cryopreservation of embryos, and 1 year of storage. At CRM, we'll always be up-front and transparent about your out-of-pocket costs.
Insurance plans don't typically cover elective egg freezing, but may cover fertility preservation if medically necessary, such as before cancer treatment. CRM will help clarify your coverage before you begin the egg-freezing process.
Insurance doesn't typically cover IVF after tubal ligation, since it's usually considered an elective process, but some plans may offer partial benefits. CRM will help you understand your specific coverage.
Insurance typically doesn't provide comprehensive coverage for IVF after a vasectomy, similar to IVF after tubal ligation. However, our financial counselors can assist in uncovering any potential benefits available.
Coverage for LGBTQ+ family building varies by insurance provider. Some plans may offer benefits for assisted reproduction regardless of sexual orientation, while others may have more limited coverage options. Our team is here to advocate for you and ensure you know exactly what services are covered in your plan.
Some insurance plans cover fertility medications as part of their IVF coverage, while others require separate pharmacy benefits or offer limited drug coverage. Our financial team will review your plan and help you access any available discounts or programs.
Yes, in most cases, eligible IVF-related services contribute to your insurance deductible. However, this depends on how your plan classifies fertility care. CRM is here to help you understand how your deductible works and what to expect throughout your treatment.
Fertility insurance can be challenging to navigate, but the Center for Reproductive Medicine is available to make our patients' path to parenthood as accessible and affordable as possible. Schedule a consultation at one of our fertility clinics in Celebration, Winter Park, or Lake Nona to learn more about our fertility cost options and accepted insurance plans. We’ll create a treatment plan tailored to your unique needs and family-building goals.