Fertility insurance benefits are often complex, but our experienced team makes the process easier from the start. At TFI, we specialize in navigating insurance for IVF and other fertility treatments, giving you the clarity and support you need to move forward.
Once you schedule your consultation, our team will contact your insurance company directly to review your plan, understand your fertility coverage, and get answers to your most pressing questions. We’ll handle the complex process of verifying your insurance benefits so you can focus on what truly matters: building your family.
Whether your plan offers partial, full coverage, or none at all, we’ll break down your options and help you understand the potential costs upfront. Our financial team knows the right questions to ask to uncover hidden benefits, avoid billing surprises, and ensure you receive the maximum coverage available to you. With our support, you can start your fertility journey feeling confident and informed.
Insurance and fertility treatments can be a tricky subject, but our financial counselors are here to help you fully understand your benefits and navigate the process from start to finish. Insurance providers we accept include:
Schedule a consultation today, and let us take the first step in simplifying your fertility journey by verifying your fertility insurance coverage. We'll do the legwork so you can focus on what matters most: building your family.
Insurance coverage for fertility care can vary widely depending on your plan and provider. Some insurance plans may cover diagnostic testing and medication, while others may offer partial or full coverage for procedures like IVF or IUI.
At TFI, our experienced financial coordinators take the guesswork out of the process. We work directly with your insurance company to determine what is and isn’t covered, helping you understand how to move forward based on your unique situation.
Tennessee does not currently have a state mandate requiring insurance companies to cover fertility treatment. However, many patients still have some level of fertility coverage depending on their specific insurance plan, particularly for initial diagnostic evaluations or medically necessary services. Because benefits vary so widely, our team at TFI works closely with each patient to assess what’s available and advocate for the coverage you deserve.
While coverage varies, many insurance plans offer some level of benefits for the following services:
Initial fertility evaluations and diagnostic testing
Ultrasounds and bloodwork
Ovulation induction and intrauterine insemination (IUI)
In vitro fertilization (IVF); coverage may be partial and exclude medications or lab fees
Fertility preservation due to medical necessity (e.g., cancer treatment)
Services less commonly covered include:
Elective egg freezing
Donor egg or sperm use
Gestational surrogacy
Our team will walk you through what your plan covers and provide transparent guidance for any uncovered services.
Understanding the cost of IVF is an important part of your fertility planning. At Tennessee Fertility Institute, we offer transparent, up-front pricing so you can make informed decisions whether you have insurance or not.
With insurance: If your plan covers IVF, it may reduce the costs of specific services like diagnostic testing, monitoring, or medication. However, you may still be responsible for co-pays, deductibles, or non-covered components of care.
Without insurance: On average, a single IVF cycle can cost anywhere from $13,000 to $20,000, depending on your treatment plan. This amount typically includes monitoring, egg retrieval, fertilization, embryo transfer, and lab work, but may not include medications, anesthesia, or PGT. At TFI, our IVF prices for individuals without fertility care insurance coverage start at $12,950 without PGT-A and $19,450 with PGT-A. Both of these options include ultrasounds, blood monitoring, retrieval, insemination (ICSI), embryo culture, embryo biopsy, cryopreservation of embryos, and one year of storage.
At TFI, we’re committed to transparency. We’ll walk you through the cost breakdown, help you understand your financial responsibility, and connect you with financing options if needed.
IVF coverage in Tennessee depends entirely on your insurance provider and plan. The state does not mandate fertility insurance coverage, so whether IVF is included varies case by case. Some plans may cover diagnostics but not the IVF procedure itself. At Tennessee Fertility Institute, our experienced financial coordinators will review your specific policy, contact your provider directly, and help you understand exactly what is and isn’t covered before treatment begins.
If your insurance includes fertility coverage, it can significantly reduce your out-of-pocket costs for IVF. Covered expenses may include ultrasounds, lab work, medications, or embryo transfer. However, you may still be responsible for deductibles, co-pays, and services not included in your plan. Our team at TFI works with your insurer to identify covered services, estimate your total cost, and ensure you’re fully informed about any remaining expenses before treatment begins.
Nationally, the average cost of a single IVF cycle ranges from $12,000 to $20,000, often excluding medications and additional services. At Tennessee Fertility Institute, we strive to offer transparent and affordable options. Our IVF cycles start at $12,950 for IVF without PGT-A and $19,450 for IVF with PGT-A, both encompassing key services such as ultrasounds, blood monitoring, egg retrieval, ICSI, embryo culture, cryopreservation of embryos, and one year of storage.
Coverage for egg freezing depends on whether it’s considered elective or medically necessary. Elective egg freezing, done for future family planning, is rarely covered by insurance. However, if you’re freezing eggs due to a medical condition like cancer or before starting chemotherapy, some insurance plans may provide partial or full coverage. At TFI, we’ll review your plan, determine what’s included, and help you understand your financial options for egg freezing.
Many insurance plans exclude IVF coverage after voluntary sterilization procedures like tubal ligation. However, every plan is different. Some may still offer coverage for diagnostic testing or parts of the IVF cycle, such as medications or embryo transfer. The team at Tennessee Fertility Institute can help determine whether your plan includes any benefits in these cases and advise you on your next steps based on your coverage.
As with tubal ligation, insurance coverage after a vasectomy is limited under many plans. However, certain elements of IVF—such as sperm retrieval, monitoring, or medications—may still be covered depending on your policy. Our insurance experts at TFI will work directly with your provider to review your benefits, clarify what’s included, and help you build a treatment plan that fits your circumstances.
Coverage for LGBTQ+ family building is improving, but it still varies widely by insurance provider. Some plans offer inclusive fertility benefits that cover IVF, donor sperm or eggs, and embryo transfer. Others may require a diagnosis of infertility, which can create barriers. At Tennessee Fertility Institute, we advocate for inclusive care and will work with your insurance provider to explore all possible avenues of coverage for same-sex couples and LGBTQ+ individuals.
Fertility medications can be a significant part of your IVF costs, and insurance coverage for them varies by plan. Some policies offer partial or full coverage for common medications, while others may not include them at all. Our team will review your pharmacy benefits, confirm your medication coverage, and help you plan for any out-of-pocket costs related to prescriptions during your fertility treatment.
If your insurance plan includes coverage for fertility services, those costs typically count toward your deductible. This means services like diagnostic testing, IVF procedures, or medications may help you meet your deductible more quickly. Our financial team will review your plan in detail and explain how your deductible applies, so you can understand what you’ll owe and when throughout your fertility journey.
You don’t have to navigate fertility insurance alone. At Tennessee Fertility Institute, our experienced financial team will walk you through your insurance benefits and help you plan your next steps with clarity and confidence. Let us take care of the logistics, so you can focus on building your family.