All insurance plans vary, so you will want to check your benefits package by logging into your account online or contacting your human resources department. Some plans cover nothing related to infertility treatment. Some plans will cover diagnosis of infertility, but will not cover treatment. Other plans cover both but with limitations on the treatment, and some plans will cover nearly everything. Make sure you understand what your co pays and out of pocket expenses will be. You will need to know if there are limitations on coverage for things like prior sterilization in a partner. Also, some plans make you use specific pharmacies for some fertility medications. The more you know, the easier it is for you to use your benefits. And when obtaining information from the insurance company, be sure to write down the name of the person providing you information, the date you spoke with them and what they told you. Infertility treatment in Arizona will still cost you money out of pocket even if you have the best insurance, so be sure you plan for this. This is why we’re so transparent with our fee structure, so there are no surprises.