Financial FAQs

What is your cash-pay price?

When billing insurance, your patient responsibility will vary based on the plan benefits (e.g. deductible, coinsurance, etc.).

The rates displayed above are high-level estimates and include a 50% cash-pay discount that has been applied to the total billed charges.

For more information, please schedule a complimentary consultation with one of our financial navigators. https://crh.ucsf.edu/appointments

Are financing options available?

At UCSF Center for Reproductive Health, we have financial options to support your fertility journey. We partner with Future Family, who is the leading fertility financing provider. Future Family has a personalized patient support model that includes your own Financial Specialist and Nurse Care Navigator. You can also view your predicted offer and payment options.

UCSF is also partnered with ARC Fertility , an organization that provides financing for fertility treatment, as well as cycle packages for patients undergoing both IVF and fertility preservation cycles.

Does insurance cover infertility treatments?

• The answer to this question is not a simple yes or no
• You will need to contact your insurance directly to find out whether your employer has purchased infertility benefits and the extent of the infertility coverage

“Common” services that may be considered fertility-related and thus may not be covered:

• Diagnostic testing
• Saline sonogram
• Surgery
• Artificial Insemination (AI/IUI)
• In Vitro Fertilization (IVF)
• Egg cryopreservation

Whom should I speak to regarding insurance coverage?

• Your first call should be to your health plan’s member services department
• You can also call your employee benefits office within the HR department
• Your HR representative should be able to walk you through your options

What information do I need before contacting my insurance or employer?

• Name of the insured person
• Insurance plan name
• Employee/Patient ID number or SSN • Group number
• Employer name 
• Patient’s name and DOB

Questions for your insurance provider:

• What are the specific infertility benefits in my plan?
• Will I have to meet a deductible before coverage begins? If so, how much?
• What is my level or percentage of coverage once my deductible has been satisfied?
• Is there a maximum payment or cycle cap on infertility treatment or on specific procedures?
• Are my infertility medications covered? If so, is the medication benefit separate from my infertility dollar or cycle maximum?
  • Please note that we do not dispense or bill for medications. Once you have a finalized medication protocol, please contact the outside specialty pharmacy of your choice to request a financial quote.
• Are there any exclusions or restrictions on my policy?
• “Is there an age limit?”
• Are there any criteria that must be met before you can access your benefits?
• “Am I required to have been trying to conceive prior to being able to access my infertility benefit?”
• “Is there an IUI requirement prior to proceeding with IVF?”
• “Are there any required lab tests that I must complete prior to accessing my infertility benefit such as FSH or E2 (estradiol)? If so, how often must I complete these labs?”
• Which blood draw labs/pharmacies are contracted with my insurance carrier?

Questions for your employer:

• Does my current health plan cover infertility treatments?
• If my current plan does not cover infertility treatment, is there another plan available that provides benefits? If so, what is the cost difference between the two plans? How and when can I change plans?
• Is there any required waiting period before I can start infertility treatment for pre-existing conditions?

Insurance terms are confusing. What do they mean?

• PPO plans (Preferred Provider Organization) typically do not require any referral but it is important to call the plan prior to any initial consultation/treatment to check with them regarding this issue.
• HMO plans (Health Maintenance Organization) ALWAYS require a pre-authorization from your Primary Care Physician (PCP) for a specialist visit.
• EPO plans can be either Managed Care or not. Please check with your plan to make sure any registration or pre-authorization/certification issues have been resolved prior to your initial consultation.
• FSA (Flexible Spending Account) is also known as a health saving account. It essentially moves the full burden of costs to you, the patient. If you do not spend any money on health care, you get to save the money in a special tax-free account. If you do utilize any health care services, you pay for the cost yourself.
• Co-payment is the amount due for an office visit (i.e. consult, follow-up visit, etc.). This fee is due at the time of service and is a pre-determined amount set by your health plan.
• Co-insurance is the percent of patient financial responsibility pre-specified by your health plan.
• Deductible is the pre-determined amount (or percentage) of expenses that must be paid.

What if I’m not covered?

• UCSF Center for Reproductive Health will extend the cash-pay discount to any service not covered by insurance.*
• Resources for financing fertility treatment can be found through our partner Future Family (https://www.futurefamily.com/). Additional resources can be found through ARC Fertility ( www.arcfertility.com ).

*The cash-pay discount cannot be applied to any copay, coinsurance or deductible amount designated by your insurance carrier, but only applied to services denied as “non-covered.”