Financial Aspects of IVF Program

Thousands of people have made their dream of having a family come true through In-Vitro Fertilization (IVF) treatment.  But the reality is that most people will require more than one IVF cycle to be successful.  And patients who commit to three cycles almost double their chances of having a baby.

At UNC’s Fertility Clinic we understand that many patients do not have insurance coverage for assisted reproductive technology, and that financial anxiety can complicate the decision to pursue treatment.  We’re pleased to announce the availability of the Attain IVF Program.

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The Attain IVF Program is designed to increase your opportunity to get the outcome you want a baby while managing the cost of IVF treatment.

Three out of four participants who complete the program take home a baby. There are no risks or obligations to find out if you qualify.

Find out if you qualify — ask our financial counselor to submit a clinical application on your behalf (919) 908-0000, or

CLICK HERE  to start the application process online.

For more information, call Attain IVF Customer Care at 1-866-YOUR-IVF (1-866-968-7483) or click here.

UNC’s Fertility Clinic is committed to helping patients increase their chances of taking home a baby.  We want to help you build your family.

Patients frequently have questions about the charges and insurance plan coverage for the infertility products and procedures that their doctors have recommended. Charges may vary from couple to couple due to the nature of various procedures and the different needs of each patient. Because of this, we have a financial counselor on-site to help you obtain insurance reimbursement information and a better understanding of your personal payment plan.

Infertility Treatment Pricing Structure

Please feel free to contact our financial counselor Ann Marie Greeson, at 919-908-0000 or use our Contact Us form for details relating to prices for infertility services and insurance benefits.

Contacting Your Insurer About Your Benefits

Contacting your insurance carrier by phone to obtain benefit information is helpful and beneficial, but it is always a good idea to also obtain your benefits in writing prior to starting your treatment. Most insurance companies will not commit to paying for any procedure before a claim has been filed, but they will confirm if certain procedures are covered under your policy and at what percentage those procedures will be paid. Benefits are usually covered if they are not denied in writing in the insurance contract.

To obtain written verification, call your insurance carrier and request the address and the name of a person to whom you may send your “Predetermination of Benefits Request”. Be very specific in your letter, which should include your situation and request and also include the CPT billing codes, which can be provided to you by your physician's office.

If you have a managed care plan and it is determined that you do have benefits, you must obtain your authorization number from your primary care physician before your first appointment. Referrals should usually include a few visits, labs, and x-rays. The authorization for treatment, if needed, will usually be obtained by your specialist's office after your referral is obtained. It is important to remember that referrals authorizations do not guarantee payment. This means even if you have an authorization, you must have the benefit before payment will be made.

When you contact your insurance carrier verify if you have the following services covered:
diagnostic testing for infertility

  • infertility drugs
  • artificial insemination
  • in vitro fertilization and
  • surgeries to correct infertility or restore fertility
If the carrier states infertility drugs and monitoring are covered, verify that you still have the benefit if your treatment includes artificial insemination or IVF. Many times, insurance companies will only cover drugs and monitoring if they are not used with an artificial means of conception. Insurance companies consider artificial insemination and IVF an artificial means of conception. However, it is possible that the carrier will cover drugs and monitoring for IVF or artificial insemination but not cover the actual insemination or retrieval/fertilization/transfer part of the cycle. Always be very specific in your request.

If you have coverage for artificial insemination or IVF, verify what the benefit includes. Does your benefit include a lifetime maximum, and if so, what is the maximum? Does the maximum include past services rendered with previous insurance companies? Ask your carrier if drugs are included in the benefit amount or if there is a separate benefit for drugs.

Verify if there are criteria that need to be met before starting treatment. Often, carriers require that one must meet certain criteria such as proving medical necessity, verifying marriage status, and/or proving length of time trying to conceive before offering treatment.