I see a lifetime max of $20000 for fertility treatment in my Cigna insurance? Does anyone know if it refers to IVF? How much can an IVF cost in US ?

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Look in CNY Fertility for a more affordable option. They take our Accenture BCBS insurance.

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Thank you.

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One IVF round including egg retrieval, medication and transfer will cost about $20,000

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2 aspects.
1. Clinics usually charge more for insurance patient than cash pay.
2. Clinics usually bill insurance ~35-40k+ (for the bay area), then the patient’s 20k benefit is applied. Therefore bring Insurance patients’ treatment cost a little lower than cash pay.

But you’ve to pay separately for meds, that’s why you see another benefit for your meds.

Fertility plan by cycle is better than dollar amount so the entire treatment is covered.

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Also no limit on meds…

At my clinic, one ER round is $19k. It depends on clinics. As someone else noted, CNY is more affordable.

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My clinic has a negotiated rate with Cigna. 2 egg retrievals were about $15k and the medicines didn’t hit the lifetime fertility amount. Transfers were billed separately and were about 2600

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Thank you

This helps a lot! Any suggestions for a fertility plan by cycle?

Some companies used to do coverage by cycle, but Accenture and most consulting companies only offer by lifetime $$.

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