Insurance & Costs
Fertility insurance can be confusing. You should not have to figure it out alone.
Evernest helps you understand what questions to ask, what information to gather, and what steps may be worth investigating as you navigate the financial side of fertility treatment.
Evernest provides educational insurance navigation. We do not determine or guarantee insurance coverage or reimbursement.
Paid for fertility care out of pocket?
Before assuming the expense is entirely yours, there may be insurance questions worth asking.
Check My Reimbursement StepsMore resources are coming
Evernest is building additional educational resources for the financial side of fertility care.
Understanding fertility benefits
How to read your plan documents and find the fertility related language that applies to you.
Preparing before paying for treatment
Questions that may be worth asking before a payment is made to a clinic, laboratory, or pharmacy.
Out of network fertility expenses
What network status can mean and how to ask your plan how it applies to your situation.
Network exceptions and out of network authorization
Some plans may have a process for requesting approval to use an out of network provider when appropriate in network care is not available. Terminology and requirements vary by insurer and plan.
Understanding claims and EOBs
Plain language education about claim determinations and Explanation of Benefits statements.
Educational information only
Evernest Fertility provides educational insurance and financial navigation resources. Information provided through this tool is not a coverage determination, guarantee of reimbursement, legal advice, insurance advice, medical advice, or medical coding advice. Health plan benefits and requirements vary. Verify information directly with your insurer, plan administrator, employer benefits department, healthcare provider, billing entity, or other appropriate professional.
Network exception, referral, authorization, and prior authorization requirements vary by health plan. Approval of a service does not necessarily mean approval of a particular out of network provider, and approval does not guarantee payment.