Northern California Fertility Medical Center – IVF, Infertility Services | Financial Resources - Northern California Fertility Medical Center

Financial Resources

We are committed to making the cost of fertility treatment predictable and affordable while assisting patients with the challenges of building a family.

How much does my fertility treatment cost?

Will my insurance cover it?

Will I be able to afford the cost of treatment?

Are you a Progyny preferred provider?

Is there a Kaiser IVF discount?


We recognize that financial considerations are very important to our patients. In an effort to provide the highest level of comprehensive care and service for our patients, NCFMC’s financial and insurance coordinators are available to explain the costs of treatment and the level of your insurance coverage prior to your treatment. Our financial coordinators are experts in healthcare insurance issues, especially those relating to infertility benefits. This expertise allows them to serve as advocates for our patients; knowing who to contact and what questions to ask to determine fertility benefits. As a service to our patients, we will do a predetermination of benefits quote with your insurance company before your new patient visit, and upon request should your insurance change. This quote will identify your coverage for infertility treatment, as well as pharmaceutical benefits.

PLEASE NOTE: NCFMC no longer accepts cash payments. We accept Mastercard, Visa, Discover, American Express, Checks and Money Orders.

Northern California Fertility Medical Center has partnered with Advanced Reproductive Care, Inc. (ARC) (, the nation’s largest network of fertility specialists, to provide our patients the most affordable treatment options.

With ARC, a number of affordable options are available for patients to choose from:

For additional information about these patient options, and to help you maximize your opportunity for having a baby, while minimizing your financial risk, please contact ARC online or call them toll-free at 1-888-990-2727 to speak with a patient service specialist.

Insurance plans contracted with Northern California Fertility Medical Center:

  • Aetna
  • Blue Cross PPO/HMO
  • Blue Shield PPO/HMO
  • Cigna PPO/HMO
  • HealthNet HMO/PPO
  • Hill Physicians Medical Group
  • Parent Steps
  • Sierra Nevada Medical Association
  • Sutter Medical Groups (Sutter Medical Group, Sutter Independent, Sutter West)
  • Sutter Physicians Alliance
  • Sutter Specialty Network
  • Sutter Select EPO and PPO
  • TriWest Alliance
  • United Healthcare
  • United Resource Network/Optum Health
  • Western Health Advantage through Hill Physicians

We know that understanding insurance benefits or obtaining necessary authorizations to begin treatment can be very confusing. To minimize financial anxiety, it is important to understand the processes that are required by your insurance plan. If you are an HMO medical group patient, you must have an authorization from either your Primary Care Physician or your Ob/Gyn before you are able to see one of our physicians. Once you are an established patient, you will contact NCFMC to initiate the process for all treatment authorizations.

Be your own insurance advocate. Get to know your insurance plan. Obtain a copy of your evidence of coverage booklet that has a detailed listing of included/excluded benefits. Take the time to read your insurance policy. It is better to know what your insurance company will pay before you receive a service, have testing, or fill a prescription. Determine your exclusions for coverage. “Infertility services excluded” means that you do not have coverage for diagnostic procedures/testing or treatment. If you still have questions about your coverage, call your insurance company and ask a representative to explain it.

NCFMC has partnered with Progyny to cover fertility treatments

Progyny knows the road to parenthood can be challenging and we were founded by people who’ve faced obstacles to fertility firsthand. That’s why we partner with the nation’s leading fertility specialists to bring patients a smarter approach to treatment with better care and more successful outcomes. Our benefit, designed for full fertility treatment coverage and including the latest medical technologies and dedicated support, was created so that more options are available to anyone who wants to have a child.

Want to know if your company offers a Progyny benefit? Check with your Human Resources department, call 212.888.3124 or email to find out.

Financing & Fertility Coaching for IVF and Egg Freezing. Affordable plans, Flexibility & Concierge Nurse Care

Fertility Lifelines Compassionate Care– possible savings on meds & treatment from EMD Serono.


Kaiser IVF & Sacramento Kaiser Permanente Center for Reproductive Health Patients

Ask about our Kaiser IVF discount. NCFMC pricing meets or beats Kaiser IVF and egg freezing treatments by several thousand dollars.