Financial Resources

At NCFMC we recognize that financial considerations are very important to our patients. In an effort to provide the highest level of comprehensive care and service for our patients, NCFMC’s financial and insurance coordinators are available to explain the costs of treatment and the level of your insurance coverage prior to your treatment. Our financial coordinators are experts in healthcare insurance issues, especially those relating to infertility benefits. This expertise allows them to serve as advocates for our patients; knowing who to contact and what questions to ask to determine fertility benefits. As a service to our patients, we will do a predetermination of benefits quote with your insurance company before your new patient visit, and upon request should your insurance change. This quote will identify your coverage for infertility treatment, as well as pharmaceutical benefits.

PLEASE NOTE: NCFMC no longer accepts cash payments. We accept Mastercard, Visa, Discover, American Express, Checks and Money Orders.

  • How much does my fertility treatment cost?
  • Will my insurance cover it?
  • Will I be able to afford the cost of treatment?

Northern California Fertility Medical Center understands your concerns and has partnered with Advanced Reproductive Care, Inc. (ARC) (, the nation’s largest network of fertility specialists, to provide our patients the most affordable treatment options.

NCFMC and ARC are committed to making the cost of fertility treatment predictable and affordable while assisting patients with the challenges of building a family.

With ARC, a number of affordable options are available for patients to choose from:

For additional information about these patient options, and to help you maximize your opportunity for having a baby, while minimizing your financial risk, please contact ARC online or call them toll-free at 1-888-990-2727 to speak with a patient service specialist.

Northern California Fertility Medical Center is contracted with the following insurance plans:

  • Aetna
  • Blue Cross PPO/HMO
  • Blue Shield PPO/HMO
  • Cigna PPO/HMO
  • HealthNet HMO/PPO
  • Hill Physicians Medical Group
  • Parent Steps
  • Sierra Nevada Medical Association
  • Sutter Medical Groups (Sutter Medical Group, Sutter Independent, Sutter West)
  • Sutter Physicians Alliance
  • Sutter Specialty Network
  • Sutter Select EPO and PPO
  • United Healthcare
  • United Resource Network/Optum Health
  • Western Health Advantage through Hill Physicians

We know that understanding insurance benefits or obtaining necessary authorizations to begin treatment can be very confusing. To minimize financial anxiety, it is important to understand the processes that are required by your insurance plan. If you are an HMO medical group patient, you must have an authorization from either your Primary Care Physician or your Ob/Gyn before you are able to see one of our physicians. Once you are an established patient, you will contact NCFMC to initiate the process for all treatment authorizations.

Be your own insurance advocate. Get to know your insurance plan. Obtain a copy of your evidence of coverage booklet that has a detailed listing of included/excluded benefits. Take the time to read your insurance policy. It is better to know what your insurance company will pay before you receive a service, have testing, or fill a prescription. Determine your exclusions for coverage. “Infertility services excluded” means that you do not have coverage for diagnostic procedures/testing or treatment. If you still have questions about your coverage, call your insurance company and ask a representative to explain it.