Understanding how insurance applies to fertility care can feel overwhelming, especially when you’re already navigating the emotional and logistical aspects of treatment. At Indiana Fertility Institute, we believe financial clarity is an essential part of your care. That’s why we’re here to help you make sense of your coverage, from your first consultation through every step of your journey.
Whether your plan offers full, partial, or no fertility coverage, our experienced team will walk you through what’s included, what isn’t, and how to make the most of your benefits. We’re proud to serve as your partner, not only in care but in empowering you to move forward with confidence.
A Dedicated Team of Fertility Insurance Experts
Navigating insurance shouldn't add stress to your fertility journey. At Indiana Fertility Institute, our knowledgeable financial counselors are here to make the process easier. With years of experience in fertility-specific insurance, our team works directly with your provider to verify benefits, check requirements, and uncover any hidden coverage you may not know you have.
From your very first visit, we’ll give you a clear picture of what your insurance includes, whether full, partial, or no coverage, and what out-of-pocket expenses to expect. No guesswork, no surprises. Just honest, straightforward guidance so you can stay focused on what matters most: your path to parenthood.
Participating Insurance Providers
Our financial counselors are here to help you make sense of your insurance coverage every step of the way. From reviewing your plan details to coordinating with your provider, we offer hands-on support so you can focus on your treatment, not paperwork.
Indiana Fertility Institute proudly accepts a wide range of insurance plans, including:
Aetna
Anthem
Carrot
Cigna
Coventry
Health Alliance Plan
Health Link
IU Health Plan
Mission Point / St. Vincent CMO
Progyny
Sagamore
SIHO
United Healthcare
Not sure if your plan includes fertility benefits? Our team will verify coverage on your behalf and walk you through your options with clarity and care.
Start Your Fertility Journey With Confidence
Scheduling a consultation is the first step, not just in your fertility care, but in understanding your insurance benefits. At Indiana Fertility Institute, we’ll take care of verifying your coverage and explaining your options clearly, so you’re never left guessing.
Let us handle the details, so you can stay focused on what matters most: building your family.
Does Insurance Cover IVF and Fertility Treatments in Indiana?
Fertility insurance coverage often varies, sometimes dramatically, from one plan to another. In Indiana, your benefits may cover just diagnostics and medications, or they may extend to procedures like IUI or even a portion of an IVF cycle. What’s covered and what isn’t often comes down to the specifics of your provider and plan.
At Indiana Fertility Institute, our financial team will thoroughly review your insurance benefits for you, from diagnostics and testing to medications, procedures, and lab work. We’ll walk you through exactly what your plan includes, what it doesn’t, and any out-of-pocket costs you can expect, so you can plan with confidence and clarity.
Understanding Fertility Insurance in Indiana
Currently, Indiana does not have any state-mandated fertility insurance, including for IVF or other reproductive treatments. However, many employers in Indiana voluntarily offer fertility benefits, so your coverage could include diagnostics, medications, IUI, and, in some cases, partial IVF grant packages
Because every plan is different, coverage might only apply to fertility testing or medically necessary services; others might include more comprehensive benefits like medications or lab work. At Indiana Fertility Institute, our financial counselors review your insurance on a case-by-case basis, clearly outlining what’s covered, what isn’t, and what your out-of-pocket costs could be. We’re committed to advocating for you every step of the way, so you never face unexpected charges or coverage gaps.
What Fertility Services Are Typically Covered by Insurance?
Insurance plans that offer fertility coverage often include basic diagnostic and treatment services, while coverage for advanced procedures can vary.
Services commonly covered may include:
Fertility evaluations and diagnostics
Ultrasounds and bloodwork
Ovulation induction and intrauterine insemination (IUI)
Partial IVF coverage
Fertility preservation when deemed medically necessary
Services less commonly covered include:
Elective egg freezing
Preimplantation genetic testing (PGT)
Donor eggs or donor sperm
Gestational surrogacy
At Indiana Fertility Institute, we provide personalized guidance based on your specific insurance plan, so you always know what’s covered and what isn’t before beginning treatment.
How Much Does IVF Cost With and Without Insurance?
Understanding the cost of IVF is an important part of your fertility planning. At Indiana Fertility Institute, we believe that financial clarity is empowering, which is why we provide transparent, up-front pricing and walk you through every detail before treatment begins.
With insurance: If your insurance plan includes fertility benefits, it may cover certain aspects of IVF, such as initial testing, monitoring appointments, or medications. However, you may still be responsible for co-pays, deductibles, or services that aren’t covered under your plan.
Without insurance: A full IVF cycle can range from $13,000 to $20,000, depending on your treatment plan. This often includes procedures like ultrasounds, monitoring, egg retrieval, fertilization, embryo transfer, and lab services. Medications, anesthesia, and services like PGT are typically billed separately. No matter your insurance status, our financial counselors are here to explain every cost clearly, explore financing options, and help you move forward with confidence.
Frequently Asked Questions About Fertility Insurance
Insurance coverage for IVF in Indiana varies greatly by plan. While the state does not mandate fertility benefits, many employers offer coverage that may include parts of IVF, like diagnostics, medications, or even retrieval procedures. Our financial counselors will verify your plan and explain exactly what’s included.
The cost of IVF with insurance in Indiana depends entirely on your specific plan. While insurance may cover diagnostics, monitoring, or parts of the cycle, patients are often responsible for deductibles, co‑pays, and any uncovered services. We’ll review your plan to give you an accurate estimate, no surprises.
Without insurance, an IVF cycle in Indiana typically ranges from $13,000 to $20,000. This estimate usually includes monitoring, egg retrieval, fertilization, embryo transfer, and lab work. However, medications, anesthesia, genetic testing, and additional services are often billed separately. We’ll clarify all costs upfront.
In most cases, elective egg freezing is not covered by insurance plans in Indiana. Some policies may cover it if deemed medically necessary. Your coverage depends entirely on your specific plan. Our financial team will verify your benefits and let you know exactly what’s included before you begin.
Some insurance plans in Indiana may cover IVF after tubal ligation, treating it as fertility treatment rather than reversal surgery. It depends on your specific policy – coverage could include diagnostics, medications, and part of the IVF cycle. We’ll verify your benefits and explain what is and isn’t covered.
Insurance coverage for IVF after a vasectomy varies by plan. Some policies in Indiana recognize vasectomy reversal as a fertility treatment and may cover IVF-related expenses like diagnostics, medications, and portions of the cycle. Our financial team will review your specific benefits and break down exactly what you can expect.
Coverage for IVF related to LGBTQ+ family building varies widely among insurance plans. Some policies include fertility benefits that support LGBTQ+ individuals and couples, while others may exclude them. At Indiana Fertility Institute, our financial team will review your plan and explain your specific coverage and any out-of-pocket responsibilities.
Coverage for IVF medications in Indiana varies by plan. Many insurance policies treat fertility drugs differently from other prescriptions, which can result in limited or no coverage. In most cases, medications required for IVF cycles, including injectables, are not fully covered. Our financial team will verify your medication benefits and clarify any out-of-pocket costs before your cycle begins.
In most cases, IVF and related services do count toward your insurance deductible in Indiana. However, covered expenses – such as diagnostics, ultrasounds, or medications – apply only after your deductible is met. Our financial team will review your plan to pinpoint which costs count toward your deductible and what you’ll owe out of pocket.
Ready to Start? Schedule a Consultation Today
If you’re ready to take the next step, we’re here to guide you – insurance questions and all. Schedule a consultation with Indiana Fertility Institute and let us help you navigate your benefits with clarity and care.
