Insurance Coverage & Financial Information




Office administrative staff member with a patient

The University of Michigan's Center for Reproductive Medicine works with most major insurance carriers. We strongly encourage you to contact your insurance provider to determine if CRM participates with your plan and to verify you have infertility testing and treatment coverage. Insurance benefits vary with each policy and insurance carrier. In Michigan, it is up to each employer to purchase a Rider for fertility diagnosis and treatment from their health plans. Fertility coverage can vary from none to diagnostic fertility testing, to full coverage for fertility treatments and procedures. If you are covered by a Health Maintenance Organization (HMO) or a Point of Service Plan (POS), please make sure you contact your Primary Care Physician (PCP) for an insurance referral before your initial consultation and for any further visits with our physicians. Most insurance companies require prior authorization for Intra-uterine Insemination (IUI) and In-Vitro Fertilization (IVF), as well as some diagnostic procedures. A prior authorization is not a guarantee of benefits or payment. The terms of the member's plan control the available benefits. Our financial counselor will request these authorizations as diagnostic tests and procedures are scheduled to work with you to minimize your financial burden.

We strongly encourage all patients to call their insurance provider to verify if they have infertility testing and treatment coverage, this number can be supplied on the back of your card. When calling your insurance company, ask if the codes listed below that pertain to your plan are considered as a covered benefit under your policy to give you a better understanding of what will be covered.

University of Michigan insurance policies: Be aware CPT code 58322 is not considered a covered benefit and you may receive charges applied to multiple billing statements.

Once your treatment plan has been developed by our physicians, estimated charges can be found by selecting the links that pertain to your current/upcoming plan that will include the CPT codes you will need when you call your insurance. Please remember that this is only an estimate, and there are no set costs since treatment is individualized for every single patient. Payments for fertility services not covered by insurance are expected at the time of service or in advance. We do accept all major credit cards, cash, and checks. If you have any further financial questions after speaking with your insurance (if applicable), please send a message through your patient portal including your financial question(s) or you can call the confidential direct phone line at (734) 647-0423.

There are a few nonprofit organizations that provide financial assistance to select infertility patients. For details, including application deadlines, please visit their websites which are listed on the RESOLVE website. The listing of these organizations does not mean or imply an endorsement by the University of Michigan but as a resource for financing through other means.

Prior Voluntary Sterilization(s): Contact your insurance provider(s) to verify if services will covered if any voluntary sterilization has been performed in the past. 

To help you navigate through your insurance coverage and benefits for IVF, we have begun partnering with the Outpatient Financial Clearance Department located at the University of Michigan. They will review your insurance and work to explain your insurance coverage. The Outpatient Financial Clearance department will also contact you before the procedure to explain your estimated out-of-pocket cost and discuss payment arrangements. Please keep in mind that estimated costs can vary, however, they can give you an assessment of what your charges could be.

Please find below, links to the estimated fee sheets, per plan:

If you receive any University of Michigan billing statements related to your infertility plan through CRM that are considered non-covered/exceeded benefits, please reach out to Patient Business Services. You may be eligible for the 60% discount (excluding storage, third-party vendors, and medications) by calling Patient Business Services at (877) 480-8757If you would like to review your insurance plan and verify participation with our clinic, please view This discount is not automatically applied to all non-covered/exceeded maximum benefits when a statement is released, you will need to call in with every statement received to request for it to be applied, if eligible. If you are interested in setting up a payment plan (pre-collections do not apply), you can also discuss your options at that time. For billing inquiries past 30 days of the billing statement, please reach out to the Patient Financial Experience Office at (855) 855-0863.

If you have a University of Michigan insurance policy, you can reach out to the benefits office at (734) 615-2000 to discuss your policy questions or visit the University of Michigan Benefits Office website at

For the above and any additional inquiries please call our Financial Counselor Monday – Friday from 8:00 am to 4:00 pm at 734-647-0423.