Insurance

Here at Bloom, we want to avoid administrative costs that do not add value to our patient care or experience, and we do not want our uninsured or partially insured patients (who are the majority) to overpay.

Our model allows us to give you three very important things throughout your fertility journey with us.

• Transparent costs: Because we took the guessing game out of insurance coverage, and know what each service costs, you will always walk into an appointment or procedure knowing exactly what you will be paying.

• Lower cost: Because we do not have a large back-office staff, and because we do not have lower-negotiated rates with insurance companies, our savings go directly to you.

• Personal touch: Our small office feel will walk with you hand in hand throughout your journey

Now, if you do in fact have insurance coverage, there are still ways of joining the Bloom family AND being covered. It’s a win-win.

• If you have treatment coverage, you may be able to use out-of-network benefits for your care with Bloom.

• If you have testing coverage, we can work with your primary OBGYN, Quest or Labcorp to plan an efficient testing strategy that will be covered. You will use our low-cost model when you are ready for treatment.

• If you do not have testing or treatment coverage for infertility, we expect to be your most cost-effective option for care

• Or you can apply for a fertility loan from one of our partners listed below

• Please note we do not work with or file to insurance companies.  If you have insurance, we recommend you contact your insurance company and ask the following questions: 

  Do I have testing coverage for infertility?

  Do I have treatment cover for infertility?

  If I have treatment coverage is there a dollar limit annual or lifetime maximum and what does it cover IUI? IVF?