Read your policy carefully. Many times evaluation and treatments have limitations. For example, it may not cover intrauterine insemination, but does pay for ovulation drugs. There may be a lifetime dollar amount that applies to fertility treatments. Most insurance companies contract with a laboratory (ie. Quest, LabCorp) to provide lab testing. If your tests are available from these labs, then you won’t have to pay for those tests. There are special tests (immune studies, such as embryo toxicity assay and natural killer-cell phenotype, and comprehensive semen analysis with ultra-specific morphology) that are not available from these labs.
You will be expected to pay for these tests. You can file for these tests with your insurance company, however, they may reimburse you at a lesser amount or not at all. There are times during your treatment when blood tests results must be available to us on the same day they were drawn (i.e. estrogen levels during ovulation stimulation to determine your medication dose). The contracted laboratories with your insurance cannot provide this stat same day during both weekdays and weekends. You will be responsible for part or all of those charges depending on your policy coverage.