SGF Accepts Insurance from 30+ Providers

Approximately 70% of patients have some coverage for infertility treatment and 90% have coverage for their initial consultation. Jump to Financial Programs.

Below is a list of insurance providers accepted by Shady Grove Fertility:

  • Adventist Healthnet
  • Aetna*
  • Amerihealth HMO*
  • Anthem
  • Berkshire Health Plan
  • Capital BC/BS
  • Carefirst BC/BS of Maryland
  • Carefirst Blue Choice*
  • Carefirst National Capital Area
  • Choice Care Network
  • CHP/Informed
  • Cigna
  • Coventry Healthcare National Network (Formerly First Health)
  • GreatWest Healthcare
  • Health America*
  • Highmark BC/BS
  • Highmark BC/BS Premier
  • Health Keepers
  • Independence BC/BS
  • Kaiser*
  • Keystone Health Plan East*
  • Keystone Health Plan Central*
  • MAMSI Life & Health*
  • MDIPA/Optimum Choice*
  • MultiPlan Network
  • OneNet PPO (Formerly Alliance PPO)
  • Parent Steps
  • Private Healthcare Systems
  • Tricare
  • United Healthcare
  • United Resource Network

* This insurance carrier requires authorization and/or referral prior to prescreening.
If your insurance plan is not listed call us to see if we have added new insurance companies.

We would encourage you to determine the extent of your fertility benefit before you initiate treatment. You may have out of network benefits that will allow you to be seen by our physicians.

Financial Programs

At Shady Grove Fertility, we understand the financial considerations that go into the decision to begin–or continue–fertility treatment. While many patients have some form of insurance coverage for treatment, or live in a location that has coverage provided by mandate, we recognize that there are many without sufficient coverage or insurance benefits. With that in mind, SGF developed our unique financial programs to help ease the cost of fertility treatment.

1. Shared Risk 100% Refund Guarantee Program for IVF or Donor Egg

The Shared Risk 100% Refund Guarantee Program was created to help lessen patient concerns about cost in situations where multiple treatment cycles may be needed. When patients choose this plan, they may attempt up to six in vitro fertilization (IVF) or donor egg cycles for a flat fee – including any subsequent frozen embryo transfers (FETs) that may result. If the patient’s attempts are unsuccessful or they withdraw from the program, 100% of the fee is refunded.

2. Shared Risk 100% Refund Guarantee Program for Frozen Embryo Transfers

For those patients eligible for the Shared Risk 100% Refund Guarantee for Frozen Embryo Transfers, they will pay a flat fee and then receive unlimited frozen embryo transfer (FET) cycles while in the program, for as many frozen embryos as that patient may have available at the time they enter the program. Just like the original Shared Risk 100% Refund Guarantee Program, the Shared Risk Program for FETs offers patients the peace of mind knowing they will either conceive or receive a full refund. 

 3. IVF Multi-Cycle Discount Program

The IVF Multi-Cycle Discount Program is designed for patients with no insurance coverage whose doctor recommends IVF treatment using their own eggs. This includes patients of any age and/or those who may not be eligible for the Shared Risk 100% Refund Program. In this program, the patient pays one flat fee which includes all cycle monitoring, up to 2 fresh IVF cycles, cryopreservation, the first year of embryo storage, and any subsequent FETs. By prepaying for multiple IVF treatment cycles, this option provides a 40% discount off the cost of two IVF cycles and subsequent FET cycles.

4. Shared Donor Egg Program

The Shared Donor Egg Program was created to increase the accessibility of donor egg treatment. This highly successful treatment option can be expensive since insurance does not provide coverage. This program can reduce the cost of treatment by up to 50% and, when paired with the Shared Risk 100% Refund Program, it can offer a 6-cycle 100% refund guarantee for the same cost as a traditional donor egg cycle.

In this program, two or three recipient couples are matched with one egg donor, thus “sharing” the cycle and reducing the overall cost per couple. The pregnancy rates for patients in this program are equal to the pregnancy rates of patients undergoing a traditional non-shared donor egg cycle. There is no waiting list to receive donated eggs.

5. Shared Help Program
The Shared Help Program can assist patients whose annual household income is $95,000 or less by discounting the cost of most fertility services provided by SGF. The percentage discount is based on annual household income, which is confirmed by two years of tax returns. Services provided at one of our offices are eligible for discounts; all outside services and insurance fees such as co-pays, deductibles, and co-insurance are not eligible for discounts. Roughly 87% of applicants are approved for this program.

6. Military Discount Program

Current and new patients who are active military or military reserves are eligible for a 25% discount off of qualifying self-pay rates, as part of our Military Discount Program. Discounts do not apply when the fees are paid to an outside service, and therefore, are not in our control. To obtain the military discount, present your U.S. military identification at the time of your initial consultation.

No matter what your financial situation may be, Shady Grove Fertility has a financial option to help reduce the cost of treatment. To learn more about your financial options, contact our New Patient Center at 1-877-971-7755. For current patients, please contact your dedicated financial counselor.