35
Thirty-five is the average age when natural fertility begins a marked decline. A woman’s best reproductive years are in her 20s. By age 40, the natural chance of pregnancy is less than 5% per cycle.
Fertility Plus Insurance Services
Family dreams
come true.
Surrogacy, fertility, and IVF insurance — so the path to family is protected, not left to chance.
Welcome
Everyone deserves a family.
We all have a story, and ours began with a simple truth — everyone deserves a family. We all find our family in different ways.
Fertility Plus helps intended parents, surrogates, and agencies navigate coverage, claims, and the specialty products that keep a journey protected — from IVF cycle complications through delivery and the first days of a newborn’s life.
See how Fertility Plus can helpWho we serve
Built for the people in this journey.
Couples requiring fertility treatment
1 in 8 couples need fertility insurance. We help you understand options before a cycle starts — and stay protected if it doesn’t go as planned.
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Surrogates
Proper protection and guidance at each step — maternity, complications, bedrest, and verification of existing coverage.
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Agencies
Customizable coverage for your clients and your practice — liability, malpractice, and small-group health for agencies, clinics, and attorneys.
Learn moreKnow the facts
The numbers behind the need.
1 in 8
couples need fertility insurance
75%
surrogacy success rate reported by U.S. IVF clinics
89%
growth in babies born to gestational surrogates in just four years
16%
More than 16% of gestational carrier cycles in the United States are for foreign parents. Surrogacy is left to each state, so intended parents can find rules that meet their needs — and it can be confusing to know what is permitted, and where.
How we help
Insurance, verification, and claims — in one place.
From surrogate maternity and newborn coverage to ACA placement and IVF bundled pricing, we pair specialty products with the administrative work families should not have to do alone.
Explore services- Surrogacy-specific maternity, complications, and accidental death coverage through Universal Family Insurance, backed by Lloyd’s of London.
- Policy verification and ACA plan placement so existing coverage is understood before a cycle begins.
- Financial case management and local monitoring in partnership with NES Assurance.
- IVF Connect contracted pricing with expected savings of more than 50% over retail.
Ready to protect the journey?
Book a 15-minute consultation or call us. We’ll help you choose coverage that matches your path to family.