Flora Overview
Can you send me the full policy wording and exclusions?
What makes Flora different?
What factors impact eligibility?
Can women and men enroll?
What age group can enroll?
Can I apply if I currently need fertility treatment or have previously?
When and how can I apply?
How much do premiums cost?
Why would I buy a policy at a young age, when I can wait till I’m older?
How long does coverage last?
What factors might impact my eligibility for coverage or increase my premiums?
How much coverage will I have?
What is included in my coverage?
Is egg freezing included?
How long does my policy last?
Once I have coverage, can I make a claim right away?
Coverage Questions
If IVF spans two policy years, can benefits be used from both annual limits?
Are pre-existing fertility conditions covered after the waiting period?
Are fertility medications covered?
Are there deductibles, copays, or coinsurance?
I don't have a male partner. How would I ever qualify as "infertile" to use my coverage?
How do I get diagnosed with infertility?
Does FLORA cover same-sex couples, queer, and trans applicants?
What treatments are included?
Are pre-existing conditions covered?
Can I choose any provider?
Employer Contributions
Can my employer offer Flora as a benefit?
What happens if I leave my job?
How does Flora compare to traditional employer-sponsored group benefits?
How can I present Flora to my HR team?
Will my employer have access to my health information?
Policy details
Who is the insurance carrier and what is its AM Best financial strength rating?
What does Flora cover?
How much do policies cost?
Are there waiting periods?
What is Flora’s annual and lifetime coverage maximum?
Can my partner’s treatments be covered under Flora’s policy?
Are there any treatments Flora does not cover?
Claims & Process
How long does it take to process a claim?
Does Flora work directly with fertility clinics and providers?
Flora vs Other Options
How does Flora’s pricing compare to other options?
How do IVF success-based insurance policies compare to Flora?
What makes Flora’s portability so advantageous?
Flora Overview
Can you send me the full policy wording and exclusions?
What makes Flora different?
What factors impact eligibility?
Can women and men enroll?
What age group can enroll?
Can I apply if I currently need fertility treatment or have previously?
When and how can I apply?
How much do premiums cost?
Why would I buy a policy at a young age, when I can wait till I’m older?
How long does coverage last?
What factors might impact my eligibility for coverage or increase my premiums?
How much coverage will I have?
What is included in my coverage?
Is egg freezing included?
How long does my policy last?
Once I have coverage, can I make a claim right away?
Coverage Questions
If IVF spans two policy years, can benefits be used from both annual limits?
Are pre-existing fertility conditions covered after the waiting period?
Are fertility medications covered?
Are there deductibles, copays, or coinsurance?
I don't have a male partner. How would I ever qualify as "infertile" to use my coverage?
How do I get diagnosed with infertility?
Does FLORA cover same-sex couples, queer, and trans applicants?
What treatments are included?
Are pre-existing conditions covered?
Can I choose any provider?
Employer Contributions
Can my employer offer Flora as a benefit?
What happens if I leave my job?
How does Flora compare to traditional employer-sponsored group benefits?
How can I present Flora to my HR team?
Will my employer have access to my health information?
Policy details
Who is the insurance carrier and what is its AM Best financial strength rating?
What does Flora cover?
How much do policies cost?
Are there waiting periods?
What is Flora’s annual and lifetime coverage maximum?
Can my partner’s treatments be covered under Flora’s policy?
Are there any treatments Flora does not cover?
Claims & Process
How long does it take to process a claim?
Does Flora work directly with fertility clinics and providers?
Flora vs Other Options
How does Flora’s pricing compare to other options?
How do IVF success-based insurance policies compare to Flora?
What makes Flora’s portability so advantageous?
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© 2026 FLORA
SUBSCRIBE TO OUR NEWSLETTER
© 2026 FLORA
SUBSCRIBE TO OUR NEWSLETTER
© 2026 FLORA