Insurance Participation2022-12-14T16:53:50-07:00

CCRM Colorado

Colorado Insurance Program

We know that IVF and other fertility treatment costs can be a major source of stress during the fertility treatment process. We will work hard to help you be informed about your insurance coverage and other financing options.

Below is our list of contracted insurance carriers. We will bill your primary insurance carrier only if you have IVF insurance coverage and/or fertility insurance coverage and we participate with your insurance carrier and plan. Please note that we are out-of-network with all HMO plans and that we will only bill your primary insurance carrier. We can bill your services under your partner’s policy only if you are an active member on their policy and it is your primary insurance.

If your insurance carrier or plan is out-of-network with us, payment is expected at the time of service. If you wish to submit services to an out-of-network insurance or secondary insurance, we are happy to supply you with health insurance claim forms upon your request for you to submit to your insurance company.

Please click here for a list of questions to ask your insurance provider about fertility benefits. 

CCRM Colorado is also proud to partner with Future Family which offers affordable IVF and egg freezing plans, concierge care, and on-demand medical support.


  • Aetna**
  • Carrot*
  • Cigna (all plans except Local Plus, Sure Fit EPO, and HMO)
  • Kaiser of Colorado (some plans – please contact a financial representative for more information)
  • Maven*
  • Progyny*
  • United Healthcare PPO (includes affiliates, such as UMR, Oxford Health, Harvard Pilgrim, Golden Rule, etc.)**

*Carrot, Maven and Progyny fertility benefits vary based on your employer. All Progyny patients (new or existing at a clinic) must first call their Progyny Patient Care Advocate (PCA) for authorization before scheduling an appointment at CCRM.

**CCRM Colorado is proud to be designated as both an Aetna and a United Healthcare Center of Excellence.


Insurance plans that are partially in-network with CCRM only cover physician consults, in-office procedures, and ultrasounds. Partially in-network plans DO NOT cover services provided by Fertility Labs of Colorado, CCRM’s IVF Lab and Surgery Center, which include blood work, semen testing, IVF/Embryology procedures, and Surgery Center fees.

  • Anthem BlueCross BlueShield PPO
  • Rocky Mountain Health Plan PPO

Whether your plan is listed as fully in-network, partially in-network or not on this list at all, we encourage you to contact one of our financial representatives at (303) 781-1085 to confirm if we participate with your specific insurance plan and to assist you with any financial needs. CCRM is committed to ensuring you fully understand any insurance coverage that you may have, as well as any potential out-of-pocket costs associated with your treatment plan.

Book your appointment Call