ORH and the Overlake Reproductive Health Laboratory are sensitive to the cost of fertility treatment and the variability of insurance coverage. We are committed to making sure that treatment is possible for any couple or individual seeking our help with conception. We strive to be as upfront and clear with costs as we can.
Please be aware that during any course of treatment some third-parties might be used and they will be bill separately. Insurance coverage for third parties may vary.
All patients must schedule a financial consultation with our financial counselors prior to starting treatment. One of our goals is to make sure patients are fully informed about cost and therapy options. We also encourage you to take an active role in understanding your insurance benefits and coverage prior to beginning any fertility testing or treatment.
In addition to working with most of the major insurance networks, we have also designed some of the most competitive, and cost-effective financial programs for ART treatments (IUI, IVF) in the PNW.
We accept cash, check, as well as Visa, MasterCard, American Express, and Discover Cards for all payments, including our Peace of Mind programs.
If you decide to purchase one of our programs a 3% fee will be charged for credit card transactions.
For those who have them, flex spending accounts (FSA) and health savings accounts (HSA) can be another good option.
We also offer financing options. Please be aware that some financing companies charge up to a 5% admin fee to process your loan.
To help reduce confusion around insurance coverage we ask that your insurance information is submitted before your first appointment. This information is used to obtain as much information about your coverage and limitations as possible.
We deal ethically and honestly with every insurance provider and with every service claim we file. We will only submit for services rendered, as they are rendered, with the appropriate diagnosis.
Please note that Overlake Reproductive Health and Overlake Reproductive Health Laboratory are separate companies. As such, insurance coverage will differ between the clinic and the lab.
Overlake Reproductive Health is contracted with these networks:
- First Choice
- United Health Care
- Group Health PPO
Overlake Reproductive Health Laboratory (Embryology/Andrology Services) is in-network with:
- United Health Care
*participation subject to change. Even if we are contracted with your insurance company individual plan status may vary. It is your responsibility to verify your coverage with your insurance company (worksheet)
Peace of Mind Programs
We now have an exciting array of innovative pricing programs available to make sure that you can pursue your goal of completing or pursuing a family and obtain peace of mind from both a medical and financial standpoint. We are confident that the large selection of options below will allow you to embark upon your fertility journey with as little financial stress as possible. All of the POM programs are listed at their cash price – there is a 3% charge for using a credit card.
The first and only IUI programs in the Pacific Northwest!
The best IVF programs in the Pacific Northwest!
Fresh Donor Eggs Programs
Frozen Donor Egg Programs
Peace of Mind Price sheets
We believe in being open and honest about our pricing and have made available copies of all of our program sheets. Please note that these are the most common situations and sometimes additional discounts can be applied.
If you have any questions about the plans listed above please contact us.
We have also partnered with WINFertility to give our patients more options. The WINFertility is available to our patients who have no infertility insurance coverage or who have already exhausted their benefits. The WINFertility Program includes advanced medical treatment, genetic testing services, and fertility medications in a single, discounted ‘bundled’ price for each cycle. Treatment Bundle Prices for IUI, IVF, and Third Party Reproduction are 10% – to 40% less than fee-for-service medical fees and retail pharmacy rates in the Seattle marketplace. There are no clinical or age requirements to participate. You can learn more about the program on our WINFertility page, or go directly to their website by clicking the button below.
Center for Excellence
Some healthcare “Center for Excellence” programs do not yet list ORH as an option for fertility treatments because we do not fit their criteria of performing fresh cycles in IVF. We used fresh cycles with great results for over 20 years, but our technology has evolved and we’re getting much better results with frozen embryos.
Using frozen embryos allows us to do universal PGT-A (Preimplantation Genetic Testing for Aneuploidies) for all of our IVF patients and that lessens the chance of our patients having a failed transfer, a miscarriage, or a genetically abnormal baby. We believe as more clinics realize the benefits of Frozen/Thawed cycles, they too will move away from fresh cycles. Our boutique size allows us to jump on new technologies and we pride ourselves on our high live birth rate.
Our standard in IVF: A Freeze-all vitrification protocol, universal day 5, day 6, or even day 7 PGT-A (Preimplantation Genetic Testing for Aneuploidies) and a Single embryo transfer (SET). Adopting these practices into our routine care has dramatically increased our success rates. Our live birth success rates for women under 35 are 11% higher than our nearest competitor and 38% higher than any other fertility clinic in Western Washington.
Patient Financing Options:
We want to make access to care as simple and stress-free as possible. We have teamed up with several financing firms to help you obtain financing for your care. Overlake Reproductive Health will also work with your desired financing company to assist in managing the cost of fertility services. Our patients have had great success with obtaining financing from credit unions. These financial services are designed to make health care affordable by breaking up the cost into monthly payments that will suit your budget.
Other financing Options
Please note that there may be up to an additional 5% admin fee from the financing company.