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Book NowFCOC Accepts Insurance. It’s Time to Start Your Fertility Evaluation
For many individuals and couples, the first step in a fertility journey is understanding what your insurance covers. At Fertility Centers of Orange County (FCOC), we work closely with a broad range of insurance plans, and our financial counselors help patients get clear, accurate information before any testing or treatment begins.
What many people overlook is timing. The end of the year is one of the most advantageous windows to begin your fertility evaluation, use any remaining diagnostic benefits, and prepare for potential changes in coverage in the new year.
If you have been thinking about starting this process, now is the right moment to take the first step.
Why This Time of Year Can Lower Your Costs and Speed Up Your Care
1. Many patients have already met most—or all—of their deductible
Once you’ve met your deductible, your insurance may cover a greater portion of:
● Fertility consultations
● Ovarian reserve testing
● Hormone panels and blood work
● Ultrasounds
● Semen analysis
Starting now can reduce your out-of-pocket expenses and streamline your next steps.
2. Some diagnostic benefits may reset on December 31
Certain plans include annual allowances for fertility evaluations. These benefits may not carry over into the new year.
Coverage that may expire includes:
● Initial fertility consults
● Diagnostic blood work
● Pelvic ultrasounds
● AMH or ovarian reserve tests
● Semen analysis
● HSG or SHG testing (depending on the plan)
Using these benefits before year-end ensures you don’t lose coverage you already have.
3. With SB-729, fertility benefits will change at the start of the year
January often brings plan changes. Many Orange County employers now offer:
● Expanded coverage for IVF or IUI
● Enhanced egg freezing benefits
● More inclusive policies for LGBTQ+ family building
● Updated coverage for diagnostic testing
By completing early testing now, you position yourself to take full advantage of next year’s new benefits, whatever they may be.
What Insurance May Cover at FCOC
Coverage varies widely, but many plans include benefits for:
● New patient consultations
● Comprehensive diagnostic evaluations
● Laboratory testing and hormone panels
● Ovarian reserve testing (AMH, FSH, E2)
● Semen analysis and male fertility testing
● Ultrasounds and imaging
● Certain treatments such as IUI or IVF, depending on your plan
Before your first appointment, our team verifies your benefits and walks you through the details so you know exactly what to expect.
Our Financial Team Makes Insurance Navigation Clear and Simple
Fertility coverage can be complex. That’s why our financial counselors work directly with your insurance carrier to:
● Confirm eligibility and coverage
● Explain your benefits clearly
● Provide estimated costs prior to testing or treatment
● Clarify deductibles, out-of-pocket maximums, and potential changes in January
● Help you make informed, confident decisions at every step
Patients consistently tell us this guidance makes the process far less overwhelming.
Why Early Testing Matters for Your Fertility Journey
Even if you’re not ready to begin treatment, early testing gives you valuable information about your reproductive health, including:
● Ovarian reserve
● Hormone balance
● Sperm health
● Fallopian tube health
● Any underlying issues affecting fertility
This information helps your physician design a personalized plan and starting now ensures you don’t lose months waiting for renewed benefits.
Frequently Asked Questions
Yes. FCOC accepts many insurance plans for consultations, diagnostic testing, lab work, ultrasounds, and some fertility treatments depending on your plan.
Our financial team verifies everything for you and reviews benefits before any services are completed.
Many plans cover consultations, blood work, ovarian reserve testing, and semen analysis. Coverage for procedures varies.
If you have met your deductible or have benefits that expire annually, scheduling now can reduce costs and protect unused coverage.
Yes. With the start of California’s bill SB-729, many employers will adjust or expand fertility benefits at the start of the year.
Yes. FCOC accepts many insurance plans for consultations, diagnostic testing, lab work, ultrasounds, and some fertility treatments depending on your plan.
Our financial team verifies everything for you and reviews benefits before any services are completed.
Many plans cover consultations, blood work, ovarian reserve testing, and semen analysis. Coverage for procedures varies.
If you have met your deductible or have benefits that expire annually, scheduling now can reduce costs and protect unused coverage.
Yes. With the start of California’s bill SB-729, many employers will adjust or expand fertility benefits at the start of the year.
Start Your Fertility Evaluation Today
If you want to understand your fertility health, use your existing insurance benefits, or prepare for next year’s coverage, now is an ideal time to begin.
Schedule your consultation with Fertility Centers of Orange County: Book an appointment
This article is for informational purposes only and is not intended to represent medical advice. Please consult with a fertility care expert for personalized recommendations.