Fertility Insurance

While Boston IVF – The Arizona Center is contracted with most major insurance companies, infertility benefits in the state of Arizona are not considered “standard care” – causing benefits to vary greatly between carriers and individual policies.

We strongly recommend that you contact your insurance company, human resources specialist and Boston IVF Financial Coordinator to check your benefits and protect yourself from charges that may not be covered by your plan.


We accept the following insurance companies at our fertility center. If you do not see your insurance carrier listed, please call our office at 480.559.0252 to verify in-network participation.

  • Aetna Healthcare
  • Blue Cross Blue Shield (BCBS)
  • Cigna Healthcare
  • First Health Network
  • Great West Healthcare
  • Humana
  • MultiPlan
  • PHCS (Private Health Care Systems)
  • UnitedHealthcare
  • Progyny

You may check to see if your insurance company is contracted with outside labs like SonoraQuest and/or LabCorp


capexBoston IVF ~ The Arizona Center is pleased to offer convenient financing options for patients undergoing infertility treatment. We understand the physical, emotional and financial challenges that our patients face, and are committed to providing them with the most comprehensive services and supportThrough our partnership with Scottsdale’s fertility financing specialists CapexMD, we offer our patients the most thorough financing options available. CapexMD’s customized loan programs are designed to meet each individual’s needs and to help ease the financial stress of treatment.


Do you need insurance coverage for fertility treatment? You are not alone! Most patients in Arizona lack insurance coverage. Why? Because unfortunately, Arizona does not have a mandate for insurers to provide IVF benefits. It’s an issue our advocates continue to fight for every day!

Click here for some helpful tips on how to obtain benefits, via the great advocates at Fertility Within Reach, a non-profit who sole mission to help yourself and the Arizona infertility community gain access infertility treatment!


ovarian stimulationFULL COVERAGE

For patients with coverage, if you have co-pay, this is what you will pay for office visits. If you have benefits after a deductible has been met, ask your insurance company if you’ve met the deductible. If you have not, you may receive a bill for your visit(s).


Coverage from initial consultation and diagnostic testing through treatment. Treatment coverage varies and may include coverage for intrauterine insemination (IUI) and/or in vitro fertilization (IVF). Medications are not always a covered expense.


You will receive coverage for the initial consultation and any diagnostic testing to determine the cause of infertility. After diagnostic testing, patients become self-pay for treatment.


From the initial consultation through treatment, all patients without insurance benefits are self-pay.


Once you have determined you have infertility benefits, there are some additional questions you should ask your insurance company, including:

  • What initial diagnostic testing (i.e. consultation, ultrasound, blood work, HSG, semen analysis) is covered?
  • What treatments (i.e. IVF, IUI) are covered?
  • What are my deductible, co-pay, co-insurance and out of pocket maximum amounts?
  • Are there any exclusions?
  • Is there a yearly or lifetime maximum allowance for infertility treatment?
  • Does my insurance require a prior authorization before treatment begins?
  • Does my insurance require a referral from my PCP or OB/GYN for treatment?
  • Is there a contracted lab (i.e. SonoraQuest, LabCorp) that I must use?
  • Are injectable fertility medications covered?
  • IF YES, are there specific pharmacies that participate with my plan?
  • Is prior authorization required and if so, what is the process for obtaining it?