paying for fertility services upfront can be expensive. although our treatments are significantly more affordable than traditional clinics, many patients still need assistance. that’s why we’ve partnered with capexMD and future family to offer convenient monthly payment plans to help you cover the cost of your care. at mate, we believe in fertility for all. how’s that for a change?
ask about our partners:
please note that there will be a $500 admin fee for any patient using one of our lending partners, so we recommend just adding $500 to the amount you plan on borrowing to cover that as well.
click on the states below to learn how fertility coverage works.
california requires group insurers to offer coverage of infertility treatment with the exception of ivf. the required infertility benefits are diagnosis, diagnostic testing, medication, surgery, and gamete intrafallopian transfer. insurers must offer these services to employers and employers can then decide if they will provide the benefits to their employees.
new york requires group policies to provide various diagnostic tests and procedures for infertility. this includes up to 3 cycles of ivf for patients in the large group insurance market, necessary fertility preservation treatments for infertility caused by a medical procedure, and infertility prescription drug coverage. the other procedures included are hysterosalpingogram, hysteroscopy, endometrial biopsy, laparoscopy, sono-hysterogram, post coital tests, testis biopsy, semen analysis, blood tests, and ultrasound. new york’s laws do not require the coverage of ivf for individual or small group insurance markets. new york requires medicaid to cover infertility diagnosis, tests, and drugs but does not require coverage for infertility treatments.
oklahoma does not have laws requiring insurers to provide coverage for infertility treatments and procedures.
arkansas requires all individual and group insurance policies (excluding hmos) that offer maternity benefits to also cover ivf. insurers can then choose to include other additional infertility treatments along with the ivf benefit. the law also establishes a maximum lifetime ivf coverage of $15,000, requires that the ivf patient has been unsuccessful with other covered less expensive infertility treatments, and requires that the patient’s eggs are fertilized with their own spouse’s sperm. in order to qualify for coverage, the couple must have at least a 2 year history of infertility or infertility resulting from specified medical conditions.
alaska does not have laws requiring insurers to provide coverage for infertility treatments and procedures.
texas requires group insurers to offer coverage of ivf to employers, and employers can then decide if they will provide the benefits to their employees. the law also requires that the ivf patient has been unsuccessful with other covered less expensive infertility treatments, requires that the patient’s eggs are fertilized with their own spouse’s sperm, and states that the couple must have at least a 5 year history of infertility or infertility resulting from specified medical conditions.
oregon does not have laws requiring insurers to provide coverage for infertility treatments and procedures.
missouri does not have laws requiring insurers to provide coverage for infertility treatments and procedures.
michigan does not have laws requiring private insurers to provide coverage for infertility treatments and procedures. michigan requires medicaid to cover the diagnosis of infertility, but does not require coverage for any infertility treatments.
tennessee does not have laws requiring insurers to provide coverage for infertility treatments and procedures.
minnesota does not have laws requiring private insurers to provide coverage for infertility treatments and procedures. minnesota requires medicaid to cover the diagnosis of infertility, but does not require coverage for most infertility treatments and does not allow medicaid to cover fertility drugs.
affording care faq
we believe infertility is a medical diagnosis that should be covered, no matter what. unfortunately, many providers don’t agree with us. some offer little to no coverage. others only cover diagnostic testing. some insurance providers may completely cover medication or one full round of ivf. in short, there’s no easy answer. currently we don’t accept insurance directly but we will create a superbill for you to submit to your insurance carrier after treatment. we recommend speaking with your insurance carrier prior to treatment to make sure this is okay. most insurance carriers are completely fine with this method, but individual fertility coverage is so different plan to plan. as mate increases supply and access to fertility treatment, it is our belief that insurance companies will begin to offer more coverage.
every person’s fertility journey is different, but our philosophy is the same: to always be transparent and fair with our prices. no matter how many rounds of treatment or hurdles along the way, we’ll be clear with you, no matter what. typically our prices are 30-40% lower than other clinics because we put patients over profits.
of course! many insurance plans provided through work have a health savings account (hsa) or flexible spending account (fsa) attached to them. these accounts allow you to contribute money from your paycheck into accounts that can be used for medical costs not covered by insurance. if you don’t have or don’t know how to set up an hsa follow these steps below to get started.
*research hsa providers online. use hsa comparison websites, like hsa search, to help narrow your search
*check with your health insurance company to see if they partner with hsa financial institutions
*ask your bank if they offer an hsa option that meets your needs
simple! we value patients over profits. for too long traditional fertility clinics have taken advantage of patients by continuously hiking up their prices. they get away with this because demand for fertility services far outweighs the supply. at mate fertility we are solving the root of this problem by increasing the supply of fertility clinics. by increasing the supply, we can lower the price. we know that access to care is severely limited due to cost restrictions, so it’s our duty to patients to increase accessibility to affordable treatment.
the first step is to book a free mate advisor session. that mate advisor session will be with a mate fertility advisor who will ensure you’re on the right path. they will ask you a few questions and answer any questions or concerns you have. if it seems like mate fertility could be right for you, our expert will book you an appointment at your nearest mate fertility clinic. we will get all your information uploaded to our system and then at your first consultation the provider will perform a fertility assessment. once the results of your assessment are in, our team will work with you to determine the best treatment plan moving forward.
check with your insurance provider as we will give you a superbill at the end of treatment, but currently we are a cash pay clinic. we do accept hsa and fsa. insurance may cover a portion of your treatment depending on your plan, and most tend to cover diagnostic testing.
here is a list of questions to ask your insurance about fertility coverage:
*how do you define infertility?
*do i need a referral for infertility treatment? can i use the clinic of my choice?
*what do my benefits cover for infertility diagnosis and infertility treatment?
*are infertility diagnosis procedures covered (ex: office visits, blood work, ultrasounds)?
*are infertility treatments covered (ex: intrauterine insemination, in vitro fertilization, cryopreservation) do i need prior authorization for certain treatments?
*are fertility drugs covered or reimbursable? are there any exclusions? can i use the pharmacy of my choice?
*what is my annual or lifetime maximum benefit for infertility treatment?
*is there an age limit for infertility treatment?
affordability is at the forefront of everything we do. if you need treatment we will work with you to ensure you are able to pay for that treatment. while our prices are more affordable than traditional clinics, we understand that some people may still need help. at the moment we have partnered with the country’s leading fertility financier, future family. we have negotiated the lowest possible rate for loans and their experts are here to help you through that application process and answer any questions you may have. we are working hard to add additional financing options for our patients.
this service is coming soon. often patients may choose to pay for multiple rounds of ivf upfront at a discounted price. however if you do achieve a successful pregnancy on any of your cycles, then no reimbursement is offered. many patients choose this option because it helps them understand and plan exactly what their investment will be. prices for this service will depend on the age of the patients. this option alleviates the concern of cost versus chance of success.
mate fertility accepts all forms of payment. whether you are paying cash, credit, debit, or with a check, we can accept it all.
we’re trying to lobby directly with your employers in your city. you often hear of large tech companies offering fertility coverage, but mate fertility believes in accessibility, that’s why we have a team working with local employers in all of our launch cities to get fertility coverage added.
arkansas, california, connecticut, delaware, hawaii, illinois, louisiana, maryland, massachusetts, montana, new jersey, new york, ohio, rhode island, texas and west virginia—have passed laws that require insurers to either cover or offer coverage for infertility diagnosis and treatment. of those states, fourteen have laws that require insurance companies to cover infertility treatment and two states – california and texas – have laws that require insurance companies to offer coverage for infertility treatment.