FAQ
What is the application process like?
The process has two steps: 1) Complete a short online application to receive immediate feedback on eligibility and an estimated cost. 2) Complete a medical form with your IVF doctor to finalize your policy details and pricing. Once approved, you can pay for and sign your policy to start your coverage.
Can I buy IVF Insurance if I previously failed one or more cycles of IVF?
Is there any limit to how many cycles of IVF I can try?
Are there any restrictions on the patient’s age, health conditions, or fertility diagnosis that could disqualify them from being eligible for the insurance?
Does the insurance require specific types of IVF protocols (e.g., fresh vs. frozen embryos) or exclude anything like PGT testing?
How exactly does BMI play a role in insurance underwriting?
Are there limitations on the number of embryos transferred per cycle (like only single embryo transfers allowed)?
Does the policy require a patient to try other fertility treatments (like IUI) before becoming eligible for IVF coverage?
If your employer's health insurance covers the cost of the first 1-3 rounds, does that impact your eligibility to qualify for this insurance?
What happens if there are complications with the pregnancy?
Can I switch my clinic during treatment?
Can I use IVF Insurance at any clinic?
What happens if treatment is interrupted for reasons outside the patient’s control, like a medical emergency or clinic issue?
Are insurance premium payments FSA eligible?
Does the insurance cover embryo freezing for additional embryos?
Can you confirm this insurance policy covers egg retrieval?
How long does it take to get reimbursed once a claim is filed?
If a patient stops treatment early (e.g., after one failed cycle), do they forfeit the right to submit an insurance claim for a refund?
How long do I have coverage for under my IVF Insurance?
Are lab fees, medications, genetic testing, or PGT/PGS screenings covered, or do these incur additional costs?
What is the application process like?
The process has two steps: 1) Complete a short online application to receive immediate feedback on eligibility and an estimated cost. 2) Complete a medical form with your IVF doctor to finalize your policy details and pricing. Once approved, you can pay for and sign your policy to start your coverage.
Can I buy IVF Insurance if I previously failed one or more cycles of IVF?
Is there any limit to how many cycles of IVF I can try?
Are there any restrictions on the patient’s age, health conditions, or fertility diagnosis that could disqualify them from being eligible for the insurance?
Does the insurance require specific types of IVF protocols (e.g., fresh vs. frozen embryos) or exclude anything like PGT testing?
How exactly does BMI play a role in insurance underwriting?
Are there limitations on the number of embryos transferred per cycle (like only single embryo transfers allowed)?
Does the policy require a patient to try other fertility treatments (like IUI) before becoming eligible for IVF coverage?
If your employer's health insurance covers the cost of the first 1-3 rounds, does that impact your eligibility to qualify for this insurance?
What happens if there are complications with the pregnancy?
Can I switch my clinic during treatment?
Can I use IVF Insurance at any clinic?
What happens if treatment is interrupted for reasons outside the patient’s control, like a medical emergency or clinic issue?
Are insurance premium payments FSA eligible?
Does the insurance cover embryo freezing for additional embryos?
Can you confirm this insurance policy covers egg retrieval?
How long does it take to get reimbursed once a claim is filed?
If a patient stops treatment early (e.g., after one failed cycle), do they forfeit the right to submit an insurance claim for a refund?
How long do I have coverage for under my IVF Insurance?
Are lab fees, medications, genetic testing, or PGT/PGS screenings covered, or do these incur additional costs?
What is the application process like?
The process has two steps: 1) Complete a short online application to receive immediate feedback on eligibility and an estimated cost. 2) Complete a medical form with your IVF doctor to finalize your policy details and pricing. Once approved, you can pay for and sign your policy to start your coverage.
Can I buy IVF Insurance if I previously failed one or more cycles of IVF?
Is there any limit to how many cycles of IVF I can try?
Are there any restrictions on the patient’s age, health conditions, or fertility diagnosis that could disqualify them from being eligible for the insurance?
Does the insurance require specific types of IVF protocols (e.g., fresh vs. frozen embryos) or exclude anything like PGT testing?
How exactly does BMI play a role in insurance underwriting?
Are there limitations on the number of embryos transferred per cycle (like only single embryo transfers allowed)?
Does the policy require a patient to try other fertility treatments (like IUI) before becoming eligible for IVF coverage?
If your employer's health insurance covers the cost of the first 1-3 rounds, does that impact your eligibility to qualify for this insurance?
What happens if there are complications with the pregnancy?
Can I switch my clinic during treatment?
Can I use IVF Insurance at any clinic?
What happens if treatment is interrupted for reasons outside the patient’s control, like a medical emergency or clinic issue?
Are insurance premium payments FSA eligible?
Does the insurance cover embryo freezing for additional embryos?
Can you confirm this insurance policy covers egg retrieval?
How long does it take to get reimbursed once a claim is filed?
If a patient stops treatment early (e.g., after one failed cycle), do they forfeit the right to submit an insurance claim for a refund?
How long do I have coverage for under my IVF Insurance?
Are lab fees, medications, genetic testing, or PGT/PGS screenings covered, or do these incur additional costs?
@ 2025 Family OS Insurance Solutions, LLC
**All insurance products are offered through Family OS Insurance Solutions, LLC (“Family OS”). Family OS is an authorized general agent for certain insurance companies. Family OS is licensed as a surplus lines property casualty insurance agency in all states where the products are offered. National Producer Number (NPN) 19585735, individual state licenses. Quotes provided by Family OS do not guarantee payment or verify eligibility. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. Insurance products are not available in all states. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. All insurance policies contain exclusions and limitations either within the policy language or added to the policy by attachment of an endorsement. Exclusions and limitations can be absolute or conditional based on the specific circumstances and allegations of a loss or claim. Not all exclusions or limitations are addressed on the language contained on this website. Policy language dictates coverage.
Family OS
Insurance Solutions
@ 2025 Family OS Insurance Solutions, LLC
**All insurance products are offered through Family OS Insurance Solutions, LLC (“Family OS”). Family OS is an authorized general agent for certain insurance companies. Family OS is licensed as a surplus lines property casualty insurance agency in all states where the products are offered. National Producer Number (NPN) 19585735, individual state licenses. Quotes provided by Family OS do not guarantee payment or verify eligibility. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. Insurance products are not available in all states. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. All insurance policies contain exclusions and limitations either within the policy language or added to the policy by attachment of an endorsement. Exclusions and limitations can be absolute or conditional based on the specific circumstances and allegations of a loss or claim. Not all exclusions or limitations are addressed on the language contained on this website. Policy language dictates coverage.
Family OS
Insurance Solutions
Family OS
Insurance Solutions
@ 2025 Family OS Insurance Solutions, LLC
**All insurance products are offered through Family OS Insurance Solutions, LLC (“Family OS”). Family OS is an authorized general agent for certain insurance companies. Family OS is licensed as a surplus lines property casualty insurance agency in all states where the products are offered. National Producer Number (NPN) 19585735, individual state licenses. Quotes provided by Family OS do not guarantee payment or verify eligibility. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. Insurance products are not available in all states. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. All insurance policies contain exclusions and limitations either within the policy language or added to the policy by attachment of an endorsement. Exclusions and limitations can be absolute or conditional based on the specific circumstances and allegations of a loss or claim. Not all exclusions or limitations are addressed on the language contained on this website. Policy language dictates coverage.
@ 2025 Family OS Insurance Solutions, LLC
**All insurance products are offered through Family OS Insurance Solutions, LLC (“Family OS”). Family OS is an authorized general agent for certain insurance companies. Family OS is licensed as a surplus lines property casualty insurance agency in all states where the products are offered. National Producer Number (NPN) 19585735, individual state licenses. Quotes provided by Family OS do not guarantee payment or verify eligibility. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. Insurance products are not available in all states. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. All insurance policies contain exclusions and limitations either within the policy language or added to the policy by attachment of an endorsement. Exclusions and limitations can be absolute or conditional based on the specific circumstances and allegations of a loss or claim. Not all exclusions or limitations are addressed on the language contained on this website. Policy language dictates coverage.
Family OS
Insurance Solutions