Kaiser Permanente Insurance Coverage for IVF FAQ
Q: Do you accept Kaiser Permanente insurance for fertility treatment?
A: Yes, Kaiser patients who have IVF benefits will need to have an authorization from their Kaiser physician.
Q: Is the coverage the same for men and women?
A: Kaiser does require both male and female patients to have the majority of diagnostic testing, labs, and so on, done through Kaiser. Sperm extraction procedures are performed at a Kaiser location. Kaiser doesn’t have a Southern California IVF center where egg retrieval and embryo culture can take place, so we do that at our clinic.
Q: What does Kaiser cover and what is my financial responsibility?
A: Your responsibility depends on what treatment the physician recommends and the specific benefits of your plan’s coverage. It can range from a $100 copay all the way to 20 percent of all procedure costs. This is why your financial consultation with our center’s Financial Manager, Amanda Kramer, is so important, so she can inform you of how your specific treatment plan may be covered through your Kaiser plan benefits. Some plans require a copayment. Other benefit plans will require a 20 percent payment for all procedures.
Q: Do you accept walk-in Kaiser insurance patients?
A: No. The only walk-in patients that are accepted from Kaiser are patients with an order for a semen analysis. All other appointments are on a scheduled basis.
Q: How much do I have to pay if my Kaiser benefit plan doesn’t cover IVF?
A: All services performed in our center are out-of-pocket expenses. Kaiser is an HMO and without authorization does not pay for any services outside of Kaiser.
The cost of an initial consultation at LLU Center for Fertility is $250, and treatment costs can range from hundreds of dollars to thousands of dollars depending on the treatment plan developed by our physicians and ultimately chosen by the patient.
Q: If I am pregnant from the IVF procedure at LLU Center for Fertility, can I return to Kaiser for obstetrical care?
A: Absolutely! Our physicians encourage patients with Kaiser to have their first OB scan and set of labs in our center, but it’s not required. OB services at our center are paid out of pocket.
Q: What are the advantages of being at Loma Linda University Center for Fertility and IVF instead of another Kaiser-designated fertility center?
A: The first of many advantages of being seen here is that this is a one-stop shop. All services are provided at this location. Many private practices in the area are monitoring clinics, which means patients are required to drive long distances for the egg retrieval and embryo transfer. Also, standards are higher at a university medical center. Specialty-trained, licensed professionals work in the clinic and laboratories. Our team is fully dedicated to making your IVF cycle a success. Our reward is your return to the Center with a baby in your arms!