While Oma Fertility offers fertility treatment at a more accessible cost than the national average of $15,000 to $30,000, knowing which insurance companies and policies offer fertility coverage and how much they will cover is a primary concern for aspiring families.
Oma breaks down everything you need to know about fertility treatment and insurance coverage, and how it works at our fertility clinics.
While Oma does not directly accept fertility insurance, we make every effort possible to help our families get the most out of their insurance benefits. Families pay Oma directly for their treatment and we courtesy bill your insurance provider to help you get reimbursed for as much as your policy will allow. It is important to note that Oma does not courtesy bill for medication.
A courtesy bill is a claim submitted by Oma to your insurance provider after you have self-paid for your treatment so your insurer can reimburse you directly.* Only applies to in-network insurance providers. Please check with clinic staff to see if your insurer is in-network with Oma.
Insurance coverage of fertility services varies state-by-state. If you currently have employer-sponsored insurance, the size of your employer will determine how much they are legally required to cover.
Many fertility treatments are not considered “medically necessary” by insurance companies, so they are not typically covered by private insurance plans or Medicaid programs.
A handful of states require coverage of fertility services for some fully-insured private plans, which are regulated by the state. You can check online to see what your state regulations are here.
If you don’t have fertility insurance or feel your current fertility coverage is not adequate, you might want to consider other insurance plans available. Some key things to look for in a fertility insurance plan include:
Most health insurance companies offer fertility coverage either as part of their general benefits or as a supplemental policy option.
Yes, Oma is proud to partner with CapexMD to help families manage the cost of fertility treatments. You can read more about our financing options here.
You’ll need to have either fertility insurance or fertility benefits as part of your existing health insurance plan. Or, if you have neither, but would like your IVF covered by insurance, you should shop around for fertility coverage before beginning your treatment. If you have any questions about your current coverage or other coverage options, contact your insurance provider directly.
If you have any questions about what fertility benefits your current coverage includes you should contact your insurance provider directly.
For any questions about specific costs please feel free to contact our care advocate team directly at 888-768-6222 or email@example.com.