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Insurance Coverage & Financial Information


Office administrative staff member with a patient

The University of Michigan's Center for Reproductive Medicine works with most major insurance carriers. You may want to contact your insurance plan to determine if the University of Michigan participates with your insurance. Insurance benefits vary with each individual policy and insurance carrier. In Michigan, it is up to each individual employer to purchase a Rider for fertility diagnosis and treatment from their health plans. Fertility coverage can vary from none, to diagnostic fertility testing, to full coverage for fertility treatments and procedures. If you are covered by a Health Maintenance Organization (HMO) or a Point of Service Plan (POS), please make sure that you contact your Primary Care Physician (PCP) for an insurance referral prior to your initial consultation with our physicians. Our financial counselor is trained to work with you to determine your coverage level and benefits. Most insurance companies require prior authorization for Intra-uterine Insemination (IUI) and In-Vitro Fertilization (IVF), as well as some diagnostic procedures. Our financial counselor will request these authorizations as diagnostic tests and procedures are scheduled. We will work with you in order to minimize your financial burden.

Once your treatment plan has been developed by our physicians, our financial counselor will provide you with a printed estimate of charges for your treatment plan, letting you know what insurance will and will not cover. Please remember that this is only an estimate, and that there are no set costs since treatment is individualized for every single patient. Payments for fertility services not covered by insurance are expected at the time of service or in advance. Currently we do not offer any payment plans. We do accept all major credit cards, cash and checks. In order to get an accurate quote please request an appointment with our financial counselor.

There are a few nonprofit organizations that provide financial assistance to select infertility patients. For details, including application deadlines, please visit their websites which are listed on the RESOLVE website. The listing of these organizations does not mean or imply an endorsement by the University of Michigan, but as a resource for financing through other means.


Please find below, links to the estimated fee sheets, per plan:

FY 2021-2022 Cooper Genomics (prices subject to change)

FY 2021-2022 CRM Donor Oocyte Transfer

FY 2021-2022 CRM Embryo Cryopreservation

FY 2021-2022 CRM Fertility Preservation Oocyte

FY 2021-2022 CRM Final Embryo Cryopreservation

FY 2021-2022 CRM Final Frozen Embryo Transfer

FY2021-2022 CRM Final Infertility Pretest

FY 2021-2022 CRM IUI or TDI & Infertility Pretest

FY 2021-2022 CRM IUI or TDI & IVF with Cooper Genomics

FY 2021-2022 CRM IUI or TDI

FY 2021-2022 CRM Final Thaw Biopsy ReFreeze

FY 2021-2022 CRM Infertility pre-test

FY 2021-2022 CRM IVF & Cooper Genomics

FY 2021-2022 CRM IVF (UM folder)

FY 2021-2022 CRM Pretest & Embryo Transfer with Donor Oocyte

FY 2021-2022 CRM Pretest and FBT Transfer

FY 2021-2022 CRM Procedures

FY 2021-2022 CRM Semen Cryopreservation

FY 2021-2022 Male Sperm Retrieval Procedures: TESA, PESA, microTESE, & Storage

FY 2021-2022 Third Party Consultations

Igenomix Fee Sheet (ERA) 2021July27


If you receive any University of Michigan billing statements related to your infertility plan through CRM that are considered as non-covered benefits, please reach out to Patient Business Services. You may be eligible for the 60% discount (excluding storage/third party vendors) by calling Patient Business Services at (877) 480-8757. This discount is not automatically applied to all non-covered/exceeded maximum benefits when a statement is released, you will need to call in with every statement received in order to request for it to be applied, if eligible. If you are interested in setting up a payment plan, you can also discuss your options at that time. For billing inquiries past 30days of billing statement, please reach out to the Patient Financial Experience Office at (855) 855-0863.

For the above and any additional inquiries please call our Financial Counselor Monday – Friday from 8:00 am to 4:00 pm at 734-647-0423.