Ambetter has some of the most affordable marketplace plans based on average premiums, deductibles, and copays. Its average maximum out-of-pocket limits for individuals ($7,141) and families ($13,556) are the lowest among the companies Inv꧅estopedia reviewed. The insurer’s Clear Silver plan has no coinsurance or copay for in-network infertilit꧂y services after you meet your deductible.

However, Ambetter doesn’t have the best drug prꩵices. In Illinois, Ambetter covers fertility drugs such as gonadotropin as tier 4 specialty drugs. So, you’ll have to ask Ambetter if it’ll cover the drug, and if it does, your prescription will likely be expensive. Ambetter’s marketplace plans charge almost a 50% copay on average nationwide for tier 4 drugs. 

Ambetter also receives many more customer complaints than expected for its size. Its three-year average National Association of Insurance Com🅺missioners (NAIC) Complaint Index was 2.31. A company that receives the expected number of complaints will receive an index of 1, and Ambetter’s index is well above that.

In general, Ambetter only covers invitro fertilization (IVF) after you’ve trie♉d🐭 cheaper fertility options.

Ambetter was founded in 2014,🐼 and its parent company, Centene, is based in St. Louis. It offers marketplace plans in 29 states.

In Investopedia's nationwide review of health insurance companies, Aetna had some of the lowest copays for doctors and pharmacies. Fertility treatments often require large quantities of high-cost medications to succeed, including the commonly used drug gonadotropin. 

Of the seven insurers offering infertility coverage on the Illinois marketplace, Aetna was one of𝓡 only three to cover gonadotropin. Aetna and Cigna each cover it in their second-most expensive drug cost tier, while Ambetter covers it at its most expensive. 

While Aetna an🌄d Cigna offered similar coverage in Illinois, we felt Aetna had better drug coverage because it had slightly lower drug copays nationally, especially for family plans.

Doctor visits are also frequent during IVF treatment. Aetna’s Silver S plan covers most in-network fertility care at a flat copay of $80. Most other in🦩surers charge a coinsurance based on a percentage of the cost🐟 of care, making it harder to plan your spending. 

Aetna received far fewer complaints than expected for its size over the past three years, which also helped land it on our list of the 澳洲幸运5开奖号码历史查询:best health insurance companies. Members get ꧂perks like $0 CVS MinuteClinic visits and 20% off CVS 🐭Health-brand wellness products. 

However, in our study, Aetna’s average premiums and deductibles for individual plans are on the higher end. Like Ambetter, Aetna only covers more advanced treatments like IVF after you’ve tried less invasive and cheaper treatments like artificial insemination.꧑

Aetna was founded in 1853 and is based in Hartford, Connecticut. It offers 🍰marketplace plans in 17 states.

UHC offers a Fertility Solutions program that can connect you with a team of fertility nurs✱es. The insurer has designated a nationwide network o🎐f high-quality fertility Centers of Excellence, so members in most areas should have access to an in-network fertility specialist. 

UHC’s NAIC complaint index, a measure of customer complaints relative to market share, is second only to Aetna. However, it’s not the cheapest option–UHC’s Silver Standard plan in Illinois includes a 40% coinsurance for in-network infertility services, higher than Aetna and Ambetter's. Nationally, its average individual 澳洲幸运5开奖号码历史查询:silver plan premium is $514, hiꦜgher than most competitors in Inv𓄧estopedia’s study. Its average out-of-pocket maximum of $7,990 is also among the highest.

Like other insurers on this list, ꧟UHC only covers advanced treatments like IVF after you’ve tried less costly options. Most plans either exclude or require prior authorization to cover injectable gonadotropin.

UnitedHealthcare was founded in 1977 and is𒁃 based in Minnetonka♔, Minnesota.