At Reproductive Biology Associates (RBA), we understand that fertility care can feel overwhelming, especially when it comes to navigating insurance. The world of fertility insurance is complex, and it’s common to feel unsure about what’s covered, what isn’t, and how to make the most of your benefits.
That’s why our dedicated team is here to help. From reviewing your insurance plan to explaining potential costs and coverage options, we guide you every step of the way. Our goal is to make the financial side of your fertility journey as transparent and stress-free as possible, so you can focus on what truly matters – starting or growing your family.
We’re proud to be in-network with many major insurance providers in Georgia, and our financial counselors are here to ensure you fully understand your benefits and treatment costs.
A Dedicated Team of Fertility Insurance Experts
At RBA, we know that fertility insurance can be tricky to navigate. That’s why we have a specialized team of experts ready to guide you through the entire process. Our team works proactively to reach out to your insurance provider, verifying your coverage details and ensuring everything is in place before your treatment begins.
We simplify the process by breaking down your coverage, whether it’s partial, full, or if there are any out-of-pocket costs involved. We’re committed to providing clear, upfront answers so there are no surprises down the road.
Our financial counselors are skilled at uncovering hidden benefits that could save you money, and they’ll work tirelessly to ensure you’re making the most of your coverage. With our team in your corner, you can focus on your fertility journey, knowing that we’ve got the financial side covered.
Participating Insurance Providers
RBA participates with the insurance carriers listed below. Please note that there are several variables that can affect insurance coverage, and our team will work with you to maximize coverage and ensure that your care is as affordable as possible.
Aetna** HMO, PPO, and POS (RBA is a Center of Excellence)
Blue Cross Blue Shield**
First Health*
Kaiser (if your plan includes infertility treatment coverage)
Progyny (requires primary insurance)
United Healthcare (RBA is a Center of Excellence)
* Please note: For First Health & PHCS, while RBA physicians are in-network, our Ambulatory Surgery Center is out-of-network.
Coverage is based on individual plans, so it’s important to work with our financial team to confirm the specifics of your benefits. Unfortunately, we’re unable to see patients with Medicare or Medicaid, and if you have Tricare or Champus VA Insurance, you’ll need to speak with our business office prior to scheduling your consultation.
Our team is here to ensure you understand how your insurance can help make fertility care more affordable, and we’ll do everything we can to maximize your benefits.
Start Your Fertility Journey With Confidence
Taking the first step towards building your family starts with a consultation, and we’re here to guide you through every part of the process – including navigating your insurance. Our dedicated team will handle the insurance verification on your behalf, so you can focus on what truly matters: your fertility journey.
Schedule a consultation today, and let us help you maximize your benefits, simplify your financial planning, and ensure you have the clarity you need to move forward with confidence.
Does Insurance Cover IVF and Fertility Treatments in Georgia?
Fertility insurance coverage can vary significantly depending on your insurance provider and the specific plan you have. While some plans may cover diagnostics and medications, others may extend coverage to more comprehensive treatments like IUI, IVF, and other fertility procedures.
We understand that navigating these details can be overwhelming, but don’t worry – our financial team will work closely with you to review your coverage and help you understand exactly what is included in your plan. We’re here to ensure there are no surprises, so you can focus on your treatment and family-building goals. H3: Understanding Fertility Insurance in Georgia In Georgia, the coverage for fertility services depends on your insurance carrier and specific plan. While infertility testing and diagnosis are generally covered, treatments like IVF and egg freezing may not be fully reimbursed by insurance. However, recent updates to the state’s insurance code have expanded coverage for certain fertility preservation services.
According to the 2025 Official Code of Georgia Annotated, starting January 1, 2026, all health benefit policies issued or renewed in Georgia will be required to cover fertility preservation services for individuals who may experience iatrogenic infertility due to medically necessary treatments for cancer, sickle cell disease, or lupus. This includes:
Standard fertility preservation services, such as egg, sperm, embryo, and ovarian tissue cryopreservation, as well as related laboratory assessments, medications, and treatments.
Coverage for the storage of gametes for up to one year.
Exclusions: Costs associated with the storage of gametes beyond one year, age restrictions, lifetime procedure limits, and nonexperimental procedures.
This means that if a medically necessary treatment, such as chemotherapy or radiation therapy, has the potential to cause infertility, your plan may cover fertility preservation to protect your ability to have children in the future.
However, it’s important to note that self-insured employers are exempt from these requirements. Our team can help you navigate the specifics of your insurance coverage and ensure you understand how these updates may impact your fertility care.
We’re committed to helping you understand your options and make the most of your benefits, so you can focus on building your family.
What Fertility Services Are Typically Covered by Insurance?
When it comes to fertility treatment, coverage can vary significantly depending on your insurance plan. However, there are several common services that are often included, depending on your provider and plan:
Ultrasounds and bloodwork: Routine monitoring to track ovulation, follicle growth, and other fertility markers.
Ovulation induction and intrauterine insemination (IUI): Medications to stimulate ovulation and intrauterine insemination procedures to increase the chances of conception.
In vitro fertilization (IVF) (partial coverage): Some plans may cover a portion of IVF treatment, including monitoring, retrieval, and fertilization.
Fertility preservation when medically necessary: For patients undergoing treatments like chemotherapy, some plans may cover egg, sperm, or embryo freezing.
Less Commonly Covered Services:
Elective egg freezing: Coverage is typically limited to medical necessity rather than elective procedures for preservation.
Donor gametes: Use of donor eggs or sperm for fertility treatments may not be covered.
Surrogacy: Fertility treatment related to surrogacy, including any associated costs, is typically not covered by most insurance plans.
Navigating what’s covered and what isn’t can be confusing, but our financial counselors are here to provide clear, personalized guidance. We’ll work with you to help you understand exactly what your insurance covers and assist you in planning your treatment accordingly.
How Much Does IVF Cost With and Without Insurance?
Understanding the cost of IVF is an important part of your fertility planning, and we’re committed to providing transparent, up-front pricing to help you make informed decisions about your care.
With Insurance: While insurance may cover some parts of IVF treatment, such as diagnostics, monitoring, and medications, there are often out-of-pocket costs involved. Patients may still be responsible for co-pays, deductibles, or services not fully covered by their plan. Our financial counselors will work with you to break down your coverage and clarify any remaining costs, ensuring you have a complete understanding of your financial responsibility before starting treatment.
Without Insurance: For patients paying out-of-pocket, IVF costs typically range between $13,000 and $20,000 per cycle. The price generally includes essential services such as monitoring, egg retrieval, fertilization, embryo transfer, and lab work. However, certain expenses, like medications, anesthesia, and PGT, may be excluded from the base price.
At Reproductive Biology Associates, we make it our priority to explain all costs clearly from the outset. We also offer support with financial planning and can guide you through available financing options to make IVF more accessible.
Frequently Asked Questions About Fertility Insurance
In Georgia, insurance coverage for IVF varies by provider and plan. While some plans may cover diagnostic services and medications, IVF treatments are often not fully reimbursed. However, starting January 1, 2026, state-regulated health insurance policies will be required to cover fertility preservation services, such as egg, sperm, and embryo freezing, when medically necessary due to treatments like chemotherapy. Self-insured plans are exempt from this mandate.
The cost of IVF with insurance in Georgia varies widely based on your specific plan. While some insurance plans may cover parts of IVF, such as diagnostics, monitoring, or medications, patients are often still responsible for co-pays, deductibles, and uncovered services. It's essential to consult with your insurance provider to understand your coverage details and potential out-of-pocket costs. Our financial counselors are here to help you navigate your benefits and plan accordingly.
In Georgia, the cost of an IVF cycle without insurance typically ranges from $13,000 to $20,000, depending on the clinic and specific treatment plan. This estimate generally includes services like monitoring, retrieval, fertilization, and transfer. However, additional expenses such as medications, anesthesia, and preimplantation genetic testing (PGT) may not be included and can add $4,000 to $8,000 or more to the total cost.
In Georgia, insurance coverage for egg freezing varies. While some plans may cover fertility preservation when medically necessary, such as before cancer treatment, elective egg freezing is less commonly covered. Starting January 1, 2026, state-regulated health insurance policies will be required to cover fertility preservation services for individuals undergoing medically necessary treatments that may cause infertility. Employers who self-insure are exempt from this mandate.
In Georgia, insurance coverage for IVF after tubal ligation varies by provider and plan. While some plans may cover IVF for patients with tubal infertility, others may not, especially if the tubal ligation was voluntary. It's essential to consult with your insurance provider to understand your specific coverage. Our financial counselors are here to help you navigate your benefits and determine the best path forward for your fertility journey.
In Georgia, insurance coverage for IVF following a vasectomy varies by provider and plan. While some plans may cover IVF for male infertility, others may not, especially if the vasectomy was voluntary. It's essential to consult with your insurance provider to understand your specific coverage. Our financial counselors are here to help you navigate your benefits and determine the best path forward for your fertility journey.
In Georgia, insurance coverage for IVF varies by provider and plan. While some insurers may offer fertility treatment coverage, including IVF, for LGBTQ+ individuals, others may not. It's essential to consult with your insurance provider to understand your specific coverage. Our financial counselors are here to help you navigate your benefits and determine the best path forward for your fertility journey.
In Georgia, insurance coverage for IVF medications varies by provider and plan. Some plans may cover fertility medications, while others may not. It's essential to consult with your insurance provider to understand your specific coverage. Our financial counselors are here to help you navigate your benefits and determine the best path forward for your fertility journey.
Whether IVF counts toward your insurance deductible in Georgia depends on your specific plan. For plans that include fertility treatment, expenses related to IVF, such as consultations, diagnostics, and procedures, typically apply to your deductible. However, if your plan excludes IVF or fertility treatments, these costs may not count toward your deductible. It's essential to review your plan details or consult with your insurance provider to understand how IVF expenses are applied.
Ready to Start? Schedule a Consultation Today
If you have any questions about costs, financing solutions, insurance coverage, or anything else regarding fertility, please contact us.
