Comprehending Costs


At RMA of Southern California, “patients come first”, patient centered approach is our fundamental theorem. We understand financial considerations may be an important part of infertility care, due to limited infertility insurance coverage in California. Our financial counseling team is here for you, to help you understand all of the costs and insurance issues associated with your treatment, and do their best to help you maximize your insurance coverage. These financial matters tend to be complex, however our professionals will help you navigate these issues and will provide basic guidelines of our financial processes. Some patient plans will require special authorizations or referrals, so it’s best to verify the infertility benefits covered under your current plan.

There is a wide variety of infertility benefits that vary from provider to provider and plan to plan. Below, you will see a few of the key points we have outlined about insurance coverage from most major plans. Please note that this information is intended solely for informational purposes and is not a commitment of coverage. Consider asking the following questions of your insurance provider, and be sure to document every interaction you have with the insurance representatives for future reference.

  • Does my current insurance plan cover diagnostic testing?
  • Does my plan cover imaging services related to ovarian stimulation for egg freezing or IVF procedures such as HSG (hysterosalingogram), sonohysteroscopy)?
  • Is Artificial Insemination (IUI or AI) covered? If so, how many cycles?
  • Is In Vitro Fertilization (IVF) covered? If so, how many cycles?
  • Does my plan cover fertility medications? If it does, find out if there is a total monetary allowance or any limitations on fertility medication products.
  • Does my plan place any limitations on benefits due to my age, prior cycles, or medical conditions?

It’s very wise to request a written explanation of your benefits during your conversation with your insurance representative.

Navigating the cost concerns and insurance issues surrounding infertility treatment can feel overwhelming. You can speak with an RMA of Southern California financial counselor about your situation and for advice for optimizing your coverage. Call us today at 424-293-8841 or fill out the form below to make an appointment.