Financial Information

Initial Consultation

doctor with patient

The Johns Hopkins Fertility Center participates with most major insurance plans but cannot confirm coverage. We encourage you to understand your benefits in order to make informed choices regarding your treatment.

Before making an appointment for your initial consultation, please contact your insurance carrier to determine whether or not your plan offers you infertility benefits. Most insurances cover the initial consultation but potential patients who have Medicaid, medical assistance, or a managed care organization, for example, often find their plans do not cover infertility services.

Please bring a referral, if required by your insurance, to your initial appointment.


Follow-Up Appointments and Procedures

After your initial consultation, our financial counselors will verify your benefits and discuss with you your coverage and financial responsibility. Our financial counselors are available to help you understand your benefits and your financial obligation.

Insurance benefits vary with each individual policy and insurance carrier. You should contact your insurance company to determine what your policy covers and what, if any, limitations apply to that coverage. It is also important that you understand when referrals and/or authorizations are needed. Take time to study your policy and determine to what extent you may be covered.

Most insurance requires preauthorization for intrauterine insemination and in vitro fertilization. Some diagnostic procedures may also require authorization. After you and your doctor have decided on a treatment plan, it is important that you meet with our financial counselors to obtain any authorizations needed and understand your financial responsibility before proceeding with treatment.

Our financial counselors are located in the Johns Hopkins Fertility Center and are available between the hours of 8 a.m. and 4 p.m.



Payments for fertility services not covered by insurance will be due in advance of treatment.