Accepted Insurance Plans

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Infertility Insurance Coverage and Plans Accepted at Aspire HFI

Fertility treatment is a deeply personal journey, and for many, understanding how insurance fits into that journey can feel overwhelming. From deciphering coverage details to knowing which procedures are included, navigating fertility insurance isn’t always straightforward.

At Aspire Houston Fertility Institute, we believe that financial clarity should never be a barrier to building your family. That’s why our experienced team is here to walk you through every step of the insurance process. Whether you’re just starting or preparing for IVF, we’re committed to helping you make the most of your coverage and confidently plan for what’s ahead.

A Dedicated Team of Fertility Insurance Experts

Our specialized insurance team has extensive experience navigating the complexities of fertility coverage. From the moment you schedule your first consultation, we take a proactive approach, reaching out to your insurance provider to review your benefits, verify coverage, and clarify any necessary authorizations or referrals.

Once you schedule your initial visit with a physician, our insurance and billing department will verify your benefits before the initial consultation. Some insurance carriers require authorization and/or a referral from your primary care physician before your new patient visit. After your visit, you will have an opportunity to sit down with one of our Aspire HFI financial counselors to discuss your situation in detail.

We simplify the insurance process by clearly outlining what’s covered (fully or partially), identifying any out-of-pocket costs, and answering your questions with honesty and care. Our team also works hard to uncover lesser-known benefits and prevent billing surprises, so you can stay focused on treatment, not paperwork.

Participating Insurance Providers

Our financial counselors will be by your side throughout the process, from initial plan review to coordinating treatment. We’ll help you understand your options, get the answers you need, and feel supported every step of the way.

Insurance providers we work with on a regular basis include:

  • Aetna

  • Blue Cross Blue Shield

  • Cigna

  • First Health

  • Great West

  • HealthSmart

  • Humana

  • Mhealth

  • United Healthcare

  • Uniformed Services Family Health

Centers of Excellence Network

Aspire Houston Fertility Institute is a proud member of both the OptumHealth Center of Excellence network offered through United Healthcare and the Blue Distinction program offered through Blue Cross Blue Shield. These networks recognize medical centers and programs with proven experience and statistically successful track records.

Start Your Fertility Journey With Confidence

The first step is simple: schedule a consultation. From there, we’ll handle insurance verification on your behalf and explain your benefits clearly, so you can focus on what matters most: growing your family.

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Does Insurance Cover IVF and Fertility Treatments in Texas?

Fertility insurance coverage varies greatly depending on your provider and policy. Some plans may include only diagnostic testing or medications. In contrast, others may extend coverage to intrauterine insemination (IUI), in vitro fertilization (IVF), or advanced procedures such as intracytoplasmic sperm injection (ICSI) or preimplantation genetic testing (PGT).

Many aspiring parents want to know, “Does insurance cover IVF?” You might be surprised to learn that your current health plan may offer some type of fertility treatment insurance coverage, and many plans cover your initial consultation and testing. Patients with insurance coverage are responsible for their specialist’s office visit copayment.

Rest assured, our financial counselors will review your benefits and explain what your plan covers and what it doesn’t, so you’re never caught off guard.

Understanding Fertility Insurance in Texas

In Texas, insurance coverage for fertility treatments is shaped by several specific regulations:

  • Group health plans that cover pregnancy are required to offer IVF coverage, though employers are not mandated to include it in their benefits lineup 

  • Some insurers can opt out if affiliated with certain religious organizations, protected under state law 

  • Fertility preservation services for cancer patients (sperm, egg, and ovarian tissue storage) are now required, following the passage of HB 1649 (effective for new plans as of January 1, 2024)

This means that while your plan must include the option for IVF, it’s still up to your employer to decide whether to activate that benefit. At Aspire HFI, we don’t just rely on what's offered – we carefully review each plan’s details and advocate for inclusion when possible to help ensure you receive the full support you deserve.

What Fertility Services Are Typically Covered by Insurance?

Depending on your plan, your fertility coverage may include:

Commonly Covered Services:

  • Fertility evaluations and diagnostics

  • Ultrasounds and bloodwork

  • Ovulation induction, IUI

  • IVF (partial or full, depending on plan)

  • Fertility preservation when medically necessary

Less Commonly Covered Services:

  • Elective egg freezing

  • PGT

  • Donor gametes

  • Surrogacy

For patients who prefer to speak to their insurance company directly, we’ve provided a list of questions that are important to ask when directly contacting your employer or insurance company:

  • Explain my benefits (if any) for diagnostic testing for infertility.

  • Are there any age restrictions for infertility treatment?

  • Do we need any type of prior authorization or a referral to see a specialist?

  • Are there plan limitations, such as lifetime maximums or set limits, for IUI, IVF, or ICSI?

  • Are there any restrictions on frozen embryo transfer cycles?

  • Do I have medication coverage? Is this separate or inclusive of my other limits?

  • Are donor sperm and/or donor eggs covered procedures?

  • Are there genetic testing benefits?

  • Do you require a waiting period before I can start treatment?

  • If I have no coverage for an actual procedure, do I have any coverage for related services such as ultrasounds and blood work?

  • Can you put these benefits in writing?

How Much Does IVF Cost With and Without Insurance?

Understanding the cost of IVF is a critical part of planning your fertility journey. We’re here to provide you with transparent, up-front pricing to help you make informed decisions—whether you have insurance coverage or not.

  • With insurance: Your plan may cover certain parts of your IVF journey, such as diagnostic testing, monitoring appointments, or fertility medications. However, most patients will still be responsible for co-pays, deductibles, and any uncovered portions of treatment.

  • Without insurance: A single IVF cycle typically ranges from $13,000 to $20,000, depending on your treatment plan. This cost generally includes monitoring, egg retrieval, fertilization, embryo transfer, and lab services. Medications, anesthesia, or genetic testing may be billed separately.

Aspire HFI’s financial team will provide a detailed cost breakdown and explore available payment options with you, so you can move forward with clarity and confidence.

Frequently Asked Questions About Fertility Insurance

  • Coverage varies by plan. Some Texas-based insurance policies offer limited or no IVF coverage, while others include diagnostics, medications, or partial IVF costs. Our team will review your benefits in detail and help you understand what’s included.

  • If your plan includes IVF coverage, insurance may pay for certain parts of the cycle, such as monitoring or medication. Out-of-pocket costs will depend on your deductible, co-pays, and whether any components of treatment are excluded.

  • Without insurance, a single IVF cycle typically costs between $13,000 and $20,000. This estimate usually includes monitoring, retrieval, fertilization, and embryo transfer, but may not cover medications, genetic testing, or anesthesia.

  • Coverage for egg freezing depends on the reason for treatment. Some plans will cover egg freezing for medical conditions like cancer, while elective egg freezing is often excluded. Our financial team can help you clarify your benefits.

  • Some insurance providers may classify IVF after tubal ligation as elective and not cover the procedure. However, certain components, like lab work or medications, may still be included, depending on your plan.

  • It depends on the insurance provider. IVF following a vasectomy may be considered non-essential by some plans, though partial coverage for related services might still apply. We’ll help you understand your options.

  • Some plans include fertility benefits for LGBTQ+ patients, while others still follow outdated definitions of infertility. We advocate for inclusive care and will work to clarify what support is available under your plan.

  • Fertility medications may be covered separately from procedures or bundled into a broader fertility benefit. We recommend checking whether your policy has a pharmacy benefit, and if preferred, pharmacies are required.

  • In many cases, the amount you pay for IVF services contributes toward your plan’s deductible and out-of-pocket maximum. Policies differ, so our financial counselors will help you understand how your plan handles this.

 Ready to Start? Schedule a Consultation Today

Your journey to parenthood starts with clarity and support. Schedule your consultation and let us guide you through your insurance options, step by step.

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