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Insurance coverage for infertility


Fertility care can be expensive.  Illinois is considered one of the best states in the country for infertility coverage.  In most states infertility is not a covered benefit.  However, in Illinois there is a state mandate that health insurance must cover fertility treatment including up to 4 cycles of IVF.  For most people this is great news.  

The state mandate, unfortunately, does not mean the everyone that has health insurance in Illinois has infertility benefits.   The law has many loopholes.  As a result if you live and work in Illinois there is good chance that you will have fertility benefits but there is no guarantee. For patients without insurance coverage, we offer multiple cycle plans, money back guarantee plans and flexible payment options.

Click here to learn more about the Illinois state mandate.

At the Advanced Reproductive Center we seek to make your fertility treatment as affordable as possible.  To that end we are in network with most major insurance carriers including:

​Blue Cross Blue Shield PPO
HMOI (Blue Cross Blue Shield HMO)
Winfertility (Blue Cross Blue Shield)
Cigna
Winfertility (Cigna)
Humana
Coventry
Northern Illinois Health Plans
United Healthcare
ECOH
Health Alliance 
Allied Benefit Administrators
Benefit Administrative Services
Core Source
Great West Healthcare
Group Administrators
Guardian
HFN
Midwest Security Administrators
Multiplan
Nippon Life
Private Health Care Systems
​Principal Financial
Sisco
Unicare


To learn more about insurance benefits or to schedule an appointment call us at 815-229-1700.