At the Reproductive Science Center of New Jersey, we know that financial considerations can be a major factor in deciding whether to pursue fertility care. But if building a family is your goal, cost shouldn’t be a barrier. As more insurance providers offer coverage for infertility diagnosis and treatment, our financial counselors are here to help you understand and access your benefits.
Because fertility coverage varies by plan, it’s important to review the specific terms of your policy with your insurance provider or employer before starting treatment. Our team can guide you through this process and help clarify what’s included.
We understand that navigating the financial side of fertility care can feel overwhelming. That’s why we’re committed to providing clear, compassionate support every step of the way — so you can move forward with confidence and focus on what matters most.
A Dedicated Team of Fertility Insurance Experts
The Reproductive Science Center of New Jersey has an experienced financial team that's ready to help you build your dream family. Our goal is to simplify the insurance process by reaching out to your provider, verifying your coverage, and reviewing your benefits on your behalf.
We prioritize transparency through all stages of your fertility journey. You'll never be in the dark about potential out-of-pocket costs, and we'll help you uncover any benefits included in your plan that you may not be aware of. Our financial counselors are with you every step of the way.
Participating Insurance Providers
We're proud to partner with a wide range of insurance providers to help make fertility treatment accessible and affordable for our patients. Below is a list of the plans we generally work with.
If your plan isn't listed, our financial team will still help you explore your options and review your benefits. Please note that this list is subject to change and may vary by physician and location. We encourage you to confirm your coverage before your appointment.
Aetna (Institute of Excellence provider)
Blue Cross Blue Shield
Centrastate Inner Circle
Cigna (Institute of Excellence provider)
CoreSource
Great West/Cigna
Horizon Blue Cross Blue Shield of NJ (Omnia, Inner Circle) Tier 1
Horizon Federal
IE Shaffer/Cigna
Keystone
Meritain
Multiplan
Optum’s Direct to Consumer
Oxford
PHCS
Progyny Employer Benefits
Qualcare
Qualcare/Emblem Health
Qualcare/ Health Republic
Qualcare/MEWA
St. Barnabas
UMR
United Healthcare (Center of Excellence provider)
Start Your Fertility Journey With Confidence
Are you ready to start your fertility journey? It all starts with a consultation at the Reproductive Science Center of New Jersey. During your visit, our financial counselors will review your insurance coverage, verify your benefits, and help you understand your options.
Does Insurance Cover IVF and Fertility Treatments in New Jersey?
Some U.S. states, including New Jersey, have laws requiring health insurance companies to cover infertility treatment. The insurance mandate states that any insurance provider that offers pregnancy-related benefits must also cover infertility treatment and in vitro fertilization (IVF) costs. The law also requires that health plans covering state employees and teachers must include infertility coverage. Even if your plan doesn't cover the total cost of fertility treatment, it may still offer partial coverage or discounts for diagnostic testing, medications, and other services.
Our financial team will review your policy and assist you in exploring your options. We're dedicated to maximizing your benefits and empowering you throughout your IVF journey.
Understanding Fertility Insurance in New Jersey
Insurance coverage for fertility services in New Jersey varies by plan. It's important to talk with your human resources office or the person at your company who oversees your employer’s health insurance benefits to verify your coverage.
At the Reproductive Science Center of New Jersey, we identify eligible benefits in your plan and advocate for you, so you can begin your fertility care with confidence and peace of mind.
What Fertility Services Are Typically Covered by Insurance?
Fertility insurance coverage varies, but services commonly covered include:
We’ll make sure you understand all of your options before proceeding with treatment.
How Much Does IVF Cost With and Without Insurance?
It's important to understand the costs of IVF before you start your journey. Whether you have insurance or are paying out of pocket, the Reproductive Science Center of New Jersey is dedicated to providing transparent and upfront pricing.
With insurance:
You may have coverage for fertility care or related services, depending on your insurance plan. It's essential to consult with your employer about your fertility benefits and schedule an appointment with one of our financial counselors to review your plan thoroughly.
Without insurance:
IVF costs in New Jersey can vary based on several factors, including the number of cycles needed, whether you choose to include PGT, the type and duration of medications, and any additional procedures or diagnostics involved. On average, IVF without PGT starts at $12,500, while IVF with PGT typically begins at $16,000. These estimates don’t include medication costs.
Frequently Asked Questions About Fertility Insurance
IVF coverage varies depending on your employer and plan. New Jersey law may enable coverage for fertility treatments, but it's essential to check with your HR representative.
The cost of IVF with insurance depends on your specific policy. Some policies may cover diagnostics, medications, and certain services related to treatment, while others might offer partial or complete coverage for the entire IVF process. Before you begin treatment, we'll review your benefits and outline your expected out-of-pocket expenses.
In New Jersey, IVF without PGT starts at $12,500, while IVF with PGT typically begins at $16,000, excluding medications and additional procedures.
On average, the cost of egg freezing in New Jersey starts at $7,500. New Jersey law requires certain health insurance plans to cover the cost of egg freezing when medically necessary due to treatments like surgery, chemotherapy, or radiation that pose a risk to fertility. We can assess your plan to determine your coverage options.
Most insurance plans consider IVF after tubal ligation to be elective, so they may not cover the procedure. However, some plans might offer partial coverage. We can review your specific situation and see what your employer provides.
IVF after a vasectomy, similar to IVF after tubal ligation, is typically not covered as it's considered an elective procedure. However, our financial counselors are happy to help you discover any available benefits.
New Jersey law requires insurance to cover IVF for LGBTQ+ couples and individuals, prohibiting denial based on relationship status or sexual orientation. However, there are still limitations for small groups and self-funded plans. Our team is here to advocate for you and help you fully understand the services your plan covers.
Yes, New Jersey law requires certain health insurance plans to cover IVF medications, but it depends on the policy. We'll review your plan and identify any available discounts or programs that may apply to you.
In New Jersey, IVF costs typically count towards your health insurance deductibles, but it does depend on how your plan classifies fertility care. Our financial counselors will help you understand how your deductible works and what you can expect throughout your treatment.
Ready to Start? Schedule a Consultation Today
Fertility insurance can be complicated. However, the Reproductive Science Center of New Jersey is here to help simplify it so you can build your dream family with confidence. Schedule a consultation at one of our fertility clinics in Eatontown, Toms River, or Lawrenceville.
