Health insurance coverage can be challenging to navigate, but it shouldn't prevent you from expanding your family. At The Reproductive Medicine Group (RMG), we recognize the importance of accessible and affordable fertility care. We accept many insurance plans to help our patients maximize their benefits and manage the cost of fertility treatments.
Some insurance plans provide coverage for services associated with IVF, like diagnostic tests, medications, and more. We’ll help you explore your options and do everything we can to ease the financial burden of fertility treatment.
No matter where you are in your fertility journey, RMG is here to guide you every step of the way. Fertility care is deeply personal, and we're committed to helping you navigate all aspects of treatment, including fertility insurance and maximizing your benefits.
A Dedicated Team of Fertility Insurance Experts
RMG's financial counselors understand how confusing and complex fertility insurance can be. Our goal is to alleviate that burden by contacting your insurance provider, reviewing your benefits, and verifying your coverage.
We prioritize transparency by ensuring that you understand any potential out-of-pocket expenses upfront. Our team can also identify hidden benefits that may not be immediately apparent in your policy. No matter your unique situation, RMG is here to simplify the process and bring you one step closer to achieving your family-building goals.
Participating Insurance Providers
RMG's experienced financial counselors will ensure you understand your plan and help you make the most of your insurance coverage. We want you to be able to focus on growing your family rather than worrying or being confused about your benefits.
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.
Aetna - Basic, POS, EPO, MC (Managed Care)
BCBS - BlueCare, Blue Options, Blue Select, Network Blue
Beech Street
CIGNA - POS
CIGNA/Great West
Coventry
Evolutions
First Health
Golden Rule
Humana: Premier
Multiplan
PHCS
Progyny
US Health Group
United Health Care (Optum)
VA Health Care (Veteran’s Affairs)
WINFertility
Start Your Fertility Journey With Confidence
The first step toward understanding your insurance coverage is to schedule a consultation with RMG's knowledgeable financial counselors. Our team will answer your questions, verify your benefits, and review your plan so you can start your journey to parenthood.
Does Insurance Cover IVF and Fertility Treatments in Florida?
Fertility coverage in Florida varies, with some plans offering comprehensive coverage and others providing more limited options. It’s essential to research what your insurance plan covers in terms of infertility evaluation and treatment, either online or by contacting the insurer or benefits representative, or both, before your first visit.
We understand that dealing with insurance companies about your infertility insurance coverage may be intimidating at first glance. To protect yourself from fees that your insurance plan may not cover, you should obtain written verification of your benefits.
Insurance companies have specific guidelines to help you determine the extent of your fertility benefits. They’re required to provide you with this information. Typically, the information is provided only in response to specific questions asked by the insured, and some important details may be unintentionally omitted.
Understanding Fertility Insurance in Florida
There is no statewide mandate that requires Florida insurance companies to provide IVF coverage. Still, some policies offer partial benefits, particularly for diagnostic testing, fertility medications, or medically necessary procedures.
Starting in 2026, Florida's state employee health insurance plans must cover fertility preservation services for individuals at risk of infertility due to cancer treatment. This coverage includes the retrieval and storage of eggs, sperm, or ovarian tissue when cancer therapies may lead to infertility, known as iatrogenic infertility. The coverage will remain effective for up to three years after treatment or until the patient is no longer enrolled in the plan.
Regardless of your individual circumstances, you may still be able to access important coverage through your personal or employer-sponsored health plan. The financial team at RMG can thoroughly review your plan, identify any eligible benefits, and advocate on your behalf to help reduce your out-of-pocket expenses.
What Fertility Services Are Typically Covered by Insurance?
Fertility insurance coverage varies, but commonly covered services include:
How Much Does IVF Cost With and Without Insurance?
Understanding the costs associated with IVF is essential before starting your journey. At RMG, we prioritize transparent and upfront pricing, whether you have insurance or are paying out of pocket.
With insurance:
Depending on your insurance plan, you may have coverage for parts of IVF, such as diagnostic testing and fertility medications. However, patients are often still responsible for co-pays, deductibles, and other services that aren't covered by their plan.
Without insurance:
On average, the cost of a single IVF cycle ranges from $14,500 to $20,000, depending on the specific treatment plan. These fees typically cover ultrasounds, laboratory work, egg retrieval, fertilization, embryo culture, cryopreservation of embryos and 1 year of storage. However, medications, anesthesia, and genetic testing are usually billed separately.
Regardless of your situation, we'll provide you with a clear outline of all expected costs and assist you in exploring financing options and discounts to help make your treatment more affordable.
Frequently Asked Questions About Fertility Insurance
The cost of IVF with insurance depends on your specific plan. Some policies cover only specific services, such as diagnostics or medications, while others provide partial or complete coverage for IVF. We'll review your benefits and explain your expected out-of-pocket costs before you start treatment.
In Florida, the cost of a single IVF cycle without insurance ranges from approximately $14,500 to $20,000. This price usually covers monitoring, retrieval, lab work, and embryo transfer, but often excludes medications, anesthesia, and optional services such as genetic testing. RMG offers transparent pricing and financing options to help you confidently proceed with treatment.
In Florida, the cost of a single IVF cycle without insurance ranges from approximately $14,500 to $20,000. This price usually covers blood and ultrasound monitoring, retrieval, insemination, embryo culture, cryopreservation of embryos and 1 year of storage, but often excludes medications, anesthesia, and optional services such as genetic testing. RMG offers transparent pricing and financing options to help you confidently proceed with treatment.
While elective egg freezing often isn't covered, some plans may cover fertility preservation if medically necessary, such as before cancer treatment. We will review your specific plan to determine your coverage options.
Insurance coverage for IVF after tubal ligation varies by plan. Some policies may exclude IVF if the sterilization was voluntary, while others might provide partial benefits. Our financial counselors are here to help you review and explain your coverage based on your specific circumstances.
IVF after a vasectomy, like tubal ligation, is typically considered an elective procedure and may not be fully covered by insurance. However, some plans do provide partial coverage for related services. At RMG, our financial team will assess your insurance coverage and explore financing options if necessary.
LGBTQ+ patients seeking to grow their families may have coverage options available, depending on their insurance provider. Some plans include benefits for assisted reproduction regardless of sexual orientation, while others have more limited coverage. We'll advocate for you every step of the way and clarify exactly what services your plan includes.
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 specific plan and help you access any available discounts or programs.
Eligible IVF-related services may apply toward your insurance deductible, depending on how your plan classifies fertility care. Our financial counselors can help you understand how your deductible works, what costs apply, and what to expect throughout your treatment.
Ready to Start? Schedule a Consultation Today
The Reproductive Medicine Group is committed to making fertility care accessible and affordable for our patients. From your first appointment with our financial team to undergoing your treatment, we're here to answer your questions and support you every step of the way. Schedule a consultation at one of our fertility clinics in North Tampa, South Tampa, Clearwater, Brandon, or Wesley Chapel to learn more about our fertility cost options, accepted insurance plans, and a treatment plan tailored to you.
