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Understanding Insurance Coverage

At RADfertility, we recognize that a primary obstacle to pursuing fertility treatment is affording care. As part of your comprehensive treatment, we have a financial team who can help you through this process and offer a variety of financial options.

Understanding Your Insurance Coverage

It is important that you know what your benefits cover to ensure you understand your potential out-of-pocket costs. Your member services number is listed on the back of your card. Listed below are the most common types of insurance coverage and some questions you may want to review with your insurance carrier.

Types of Insurance Coverage

  • HMO – These plans usually only offer in-network benefits. In addition, you will usually have to provide a referral for any visit.
  • POS – These plans usually offer in and out-of-network benefits. However, you may still need a referral in order to maximize coverage.
  • PPO – These plans offer both in and out-of-network coverage. You usually do not need a referral or authorization for these services either, but should always verify this with your insurance carrier.

Questions To Ask Your Insurance About Pharmacy Benefits

  • Is there drug coverage?
  • Are infertility drugs covered under the pharmacy benefit or medical benefit?
  • What is the coinsurance or copayment for drug coverage?
  • What prior authorization policies are in effect for medications?
  • Are there 30-day drug prescription limits for infertility medications?
  • Does the plan pay for self administered subcutaneous, under the skin injection (SQ) and/or oral (PO) medications?
  • Does the plan pay for intramuscular (IM) medications?
  • Are there discounts for mail order medications?
  • Are infertility specialists encouraged to prescribe one drug over another?
  • Can I get a medication that is not a preferred drug or formulary? Can I get a medication that is not covered? If so, am I expected to pay a higher copayment or coinsurance or pay for it completely? And what is that amount compared to the preferred drug copayment or coinsurance?


    Always record when and who you spoke with, as well as the reason and the outcome. It is also suggested that you obtain a written pre-determination of your benefits. This is your most effective tool if you need to challenge a future decision made by your insurance company.

Affording Care

Request an Appointment

If you would like to schedule an appointment, please let us know which dates and times work for you. A Patient Navigator will contact you to confirm your appointment.

Take Our Fertility Assessment

Answer a few brief questions and receive a personal response. Every submission is reviewed by a fertility expert. Get the answers you are looking for today! 

Free Second Opinion Consult

Call (302) 602-8822 to speak to one of our Patient Navigators and schedule your free second opinion consult. Please mention this offer when you call.

Where You Go For Fertility Care Really Matters

For over two decades, we have followed the golden rule of fertility care: offering the same treatment to you that we would want for our friends and loved ones.

Learn more about Affording Care

In-Network Insurance Carriers

We have compiled a list of in-network insurance carriers to help you navigate your coverage.

Understanding Coverage

We have a financial team who can help you through this process and offer a variety of financial options.

Does My Company Provide IVF Coverage?

According to FertilityIQ, 20% more employers nationwide increased or enhanced their fertility benefits for 2019.

Financing Partners

We have partnered with three different companies who finance fertility treatment to help you on the financial portion of your journey.

Treatment Discount Programs

Our discount programs can help offset some of the costs associated with treatment.

Medicine Discount Programs

In an effort to offset the costs associated with treatment, RAD participates in programs that offer medication discounts.

Delaware's Fertility Care & Preservation Law (SB139)

On June 30, 2018, history was made! Governor John Carney signed SB139, Delaware’s Fertility Care & Preservation Bill into law.

Nicole C. G.


"We had a wonderful experience working with RADfertility. Our doctor was so sweet, informative and helpful with all of our questions. The front desk, it’s always nice to be greeted by a friendly smiling face."



"RAD heard my hopes, dreams, and wishes and led me toward them while holding my hand. My dream came true. I was guided to a beautiful baby girl! It took less than a year for my pregnancy to begin and it was successful. This was the best decision I ever made. Thank you, RAD!"

Christa C.


"From the beginning our team was determined to find a way for my husband and I to complete our family. All the RAD staff was knowledgeable and truly cared for us. We wish we could have continued with them after our baby hit 12 weeks. We thank them daily in our prayers for giving us our beautiful baby girl!"



"We will be forever grateful for the wonderful care we received at RAD! Dr. Feinberg took the time to listen and create a plan we were comfortable with. The whole team was amazing and truly care about their patients. You have exceeded our expectations. Thank you!!"

Jaqueline M.


"Thanks to RADfertility, we have the most perfect addition to our family. The help and support the whole staff gave us was indescribable. We never once lost hope because of them. We will be forever grateful to each and every person we worked with during our journey."



"Dr. Neithardt was amazing. She explained in great detail all the options we had and put us at ease about the entire process. Everyone has been amazing and I have absolutely no complaints. Today I am 17 weeks pregnant and we only have Dr. Neithardt and her wonderful team at RAD to thank."

Michelle H.


"They are the most amazing team of doctors and care coordinators. After having started at another facility I was so happy to come to RAD. They are truly amazing, never make you feel like just a number and have empathy and compassion every step of the way. They also get the job done! Thanks RAD!"

Anonymous On FertilityIQ


"Dr. McGuirk is a very holistic doctor. She doesn’t just treat the fertility issues. She also points out personal health ideas (juicing, whole 30) to help heal/treat the whole patient. She is honest and open. Be open minded and trust in her process. This is a marathon, not a sprint! Dr. McGuirk will be with you the whole way."

Teresa P.


"I will never be able to put into words how thankful we are for RAD. Rhonda was there every step of the way as we were going through the process. Everyone was so welcoming and patient as we asked questions. We were blessed with a daughter, who is now three. I have already recommended and will continue to recommend RAD to people who need help growing their family!"

Newark Office

4735 Ogletown-Stanton Road
Medical Arts Pavilion 2
Suite 3217
Newark, DE 19713

Wilmington Office

Silverside Medical Center
2700 Silverside Road, Suite 2A
Wilmington, DE 19810

Dover Office

Eden Hill Medical Center
200 Banning Street, Suite 240
Dover, DE 19904


Phone: (302) 602-8822

Fax: (302) 602-8832

©RADfertility 2020