With this in mind, each patient is wise to research his or her plan coverage extensively in advance either online or by calling the insurer or benefits representative, or both. Meanwhile, below are common questions and answers designed to help you better understand this topic (see links to insurance companies below).  You can also learn more on the Web page about insurance approval and authorizations .

For other financing options, be sure also to visit our financing page . RSC is pleased to offer several innovative ways to help patients manage the costs of treatments.

What will my insurance cover?

If you’re a resident of Massachusetts, Rhode Island or Connecticut, you live in a state where insurance coverage for infertility is required by law. The states of Maine, Vermont and New Hampshire do not have mandated insurance coverage [ state-by-state], yet some employers and/or insurers in non-mandated states may offer infertility coverage voluntarily. However, even in mandated states, the type of coverage varies widely. For example, according to the American Society for Reproductive Medicine, Connecticut limits coverage to patients younger than 40 and to no more than two IVF cycles, whereas other states do not set such limitations.

Therefore, each patient is wise to research his or her plan coverage extensively in advance either online or by calling the insurer or benefits representative, or both. Also, please reference our insurance verification forms.

For other financing options, be sure to visit our financingpage . RSC is pleased to offer several innovative ways to help patients manage the costs of treatments.

Does my insurance company require me to have a referral from a physician?

Only if you participate in an HMO (health management organization). If you’re covered under this kind of plan, you will need a written referral from your primary care physician (PCP). Otherwise, other health insurance policies do not require physician referrals.

What if I don’t have insurance?

First, be sure to research your insurance plan and coverage fully before assuming you have no coverage. The staff of RSC is highly sensitive to the financial and emotional burdens of infertility treatments, especially for those patients without insurance coverage. For this reason, RSC has developed several financing options, which are described on the financingpage . RSC is pleased to offer innovative ways to help patients manage costs and lessen their burdens wherever possible.