Upload your insurance documents. Five minutes later, you'll know exactly what's covered — IVF, medications, egg freezing — what's not, and what it will actually cost you. Every claim backed by the exact language in your plan.
Free · Plain English · Receipts included
Like a friend who already figured this out — and is sharing everything they learned.
Benefits guides, SBCs, enrollment packets, fertility benefit docs — even if you're not sure what matters. We'll find what does, and tell you if anything important is missing.
IVF cycles, medications, egg freezing, exclusions, costs — translated into plain English, verified against your documents in a second pass, and cited so you can see the exact source of every claim.
What's covered, what's not, what you'd likely pay — plus the exact questions to ask HR or your insurer about anything your documents don't answer.
Most people have no idea what their insurance actually covers for fertility — until they're already in the middle of treatment.
I'm about to start IVF and I have no idea if my plan actually covers it or just "some fertility services."
Everyone says I have fertility coverage, but nobody can explain what it actually means.
I want to understand what IVF could actually cost before I'm sitting in the clinic office.
Most people don't find out what their plan doesn't cover until they get the bill. Five minutes now could save you from a very expensive surprise.
Upload your insurance documents and get your plain-English breakdown — with the plan language to back it up.
Upload any health insurance documents you have available — benefits guides, open enrollment packets, Summary of Benefits and Coverage (SBC), insurance carrier documents, or fertility benefit documents from Progyny, Maven, Carrot, WIN, or similar. Not sure what's relevant? Upload whatever you have and we'll identify the right information.
Yes. Based on your plan's actual coverage data, we project costs across medications, retrieval, transfers, genetic testing, and storage — accounting for the reality that most patients need more than one attempt.
Yes. We work with all major employer-sponsored plans, including those with Progyny, Carrot, or standard carrier benefits (Aetna, Cigna, UnitedHealthcare, BCBS). Upload your documents and we'll take it from there.
Three ways. Every claim is checked in a second verification pass against your actual documents before you see it. Every coverage statement comes with a "view plan language" button showing the verbatim quote and which file it came from. And when your documents don't answer something — or reference a rider or amendment you didn't upload — we say so plainly instead of guessing, and tell you exactly what to ask for.
It can matter a lot. Insurers often issue "extraterritorial amendments" that replace entire benefit sections — including fertility — for members living in certain states, and state fertility mandates can apply based on where the policy was issued. Tell us your state and we'll flag when an amendment might exist that changes your coverage.
That's exactly what our sister tool is for. Plan Decoder takes documents for up to 4 plans and gives you a side-by-side comparison, cost scenarios, and a verdict on which plan is strongest for fertility care.
Never. Your data and benefit documents are used only to produce your analysis. We will never sell or share your information.