Flora Overview
Can you send me the full policy wording and exclusions?
We can direct you to our At A Glance document, which you can find here.
What makes Flora different?
Flora is the only fertility insurance product on the market that is individually-owned, offering private, self-insured coverage. This means it is independent from any work or health plan, and completely owned and controlled by you as the beneficiary.
What factors impact eligibility?
Flora eligibility is based on age, medical history, and lifestyle factors. Applicants must not have a current fertility diagnosis requiring treatment.
Can women and men enroll?
Right now, Flora’s policies are only available to individuals who were assigned female at birth with XX chromosomes.
What age group can enroll?
To apply for a Flora policy, applicants need to be between 20 and 34 years old. Once you’re issued a policy, you have coverage up until you turn age 45 provided your policy remains in place.
Can I apply if I currently need fertility treatment or have previously?
A Flora policy covers future fertility risk. If you're currently undergoing fertility treatment or have had treatment in the past, you unfortunately won’t be eligible for a Flora policy at this time.
When and how can I apply?
You can apply through the Flora digital application anytime if you meet the age criteria of 20-34 years old.
How much do premiums cost?
Standard premiums range from $15-$70/month based on age, though may be higher depending on your risk profile and underlying medical conditions or lifestyle factors.
Why would I buy a policy at a young age, when I can wait till I’m older?
There is incentive to buy a Flora policy early, even as young as 20 years old, and to hold it for a longer period of time. Your premiums are lower the younger you start and will stay lower the life of the policy. Further, the younger you are, the lower your risk, making underwriting easy and auto approval of a policy more likely. Individuals who buy a policy at a younger age will typically pay significantly less over the life of the policy as compared to those who buy it later.
How long does coverage last?
Once you’re issued a policy, your coverage can be used up until you turn 45 years old.
What factors might impact my eligibility for coverage or increase my premiums?
Eligibility may be affected by factors such as BMI, diminished ovarian reserve, certain medical conditions such as PMOS or endometriosis, among others.
How much coverage will I have?
All policies offer $50,000 of lifetime coverage, with $10,000/year maximum. We hope to increase these limits over time.
What is included in my coverage?
A Flora policy covers the clinical workflow once you are diagnosed as needing fertility treatment due to biological infertility. This includes diagnostics, medications, IUI and IVF, among other approved treatments, up to the policy limits.
Is egg freezing included?
Elective egg freezing is not included. Egg freezing may be covered if it is required for medical reasons.
How long does my policy last?
The first term of your policy is 24 months with auto-renewals every 12 months thereafter until you cancel the policy or turn age 45.
Once I have coverage, can I make a claim right away?
There is a one year coverage wait period before you are eligible to make any claims.
Coverage Questions
If IVF spans two policy years, can benefits be used from both annual limits?
Your coverage works on two limits: $10,000 per year and $50,000 lifetime. Your annual limit resets each year, so if a cycle starts in one year and completes in the next, you can use benefits from both annual limits. You're always covered up to your $50,000 lifetime maximum.
Are pre-existing fertility conditions covered after the waiting period?
Coverage for pre-existing conditions is determined during the underwriting process and depends on your individual health history.
Are fertility medications covered?
Yes. Fertility medications are included within your $10,000 annual coverage limit. They count toward your annual benefit just like diagnostics, IUI, and IVF.
Are there deductibles, copays, or coinsurance?
You'll have a 10% deductible on all claims. After you meet your deductible, FLORA covers eligible treatment costs up to your annual and lifetime limits. There are no additional copays or coinsurance beyond the 10% deductible.
I don't have a male partner. How would I ever qualify as "infertile" to use my coverage?
The same way any policyholder does: through a documented infertility diagnosis from a licensed fertility specialist.
How do I get diagnosed with infertility?
Generally, in order to be diagnosed with infertility, a woman would try unsuccessfully for a year to get pregnant, and then seek consultation from a fertility specialist.
Does FLORA cover same-sex couples, queer, and trans applicants?
Yes. FLORA doesn't factor in your partner's gender, your gender identity, or your sexual orientation when you apply. If you are a woman that meets our age and health eligibility, you can apply and be approved for a policy the same as anyone else.
What treatments are included?
Flora covers medically necessary fertility treatments once you’re diagnosed as needing fertility assistance. It currently does not cover purely elective procedures. We are continually evaluating ways of expanding coverage over time.
Are pre-existing conditions covered?
A Flora policy covers future fertility risk. If you've been diagnosed with a fertility condition before enrolling, you will need to disclose this at the time of underwriting. If you are already undergoing fertility treatment or are being seen by a fertility specialist, you are unfortunately not a candidate for a Flora policy at this time. If you experience fertility challenges after being issued a Flora policy and disclosed all relevant information at the time of underwriting, your coverage applies. We are working to create more solutions over time to ensure as many people as possible can access affordable coverage.
Can I choose any provider?
Yes! You can visit any licensed fertility specialist or clinic—there are no network restrictions. Your provider must be licensed to practice in the field of ART or fertility treatment and must be in good standing with their regulatory body.
Employer Contributions
Can my employer offer Flora as a benefit?
Yes! Employers can contribute toward employee premiums without the burden of traditional group benefits.
What happens if I leave my job?
Your policy is yours to keep, as long as you continue paying the premiums. This is completely unique to Flora and a huge advantage to employees.
How does Flora compare to traditional employer-sponsored group benefits?
Unlike traditional employer-sponsored fertility benefits that come with restrictions—like needing to qualify through your job’s group plan or having limited coverage—Flora is fully portable. Your policy belongs to you, so you can take it with you no matter where you work.
How can I present Flora to my HR team?
You can request a tailored employer proposal from Flora to share with your HR team.
Will my employer have access to my health information?
Your health information stays private and confidential—Flora keeps it secure and never shares it.
Policy details
Who is the insurance carrier and what is its AM Best financial strength rating?
FLORA is backed by A-rated insurance providers. This means when you need to use your coverage, you can count on the financial strength and stability of our partners to pay your claims.
What does Flora cover?
Flora’s coverage includes diagnostics, medications, IUI (intrauterine insemination), and IVF (in vitro fertilization), among other approved treatments. Policies are designed to cover less invasive to more advanced treatments over time.
How much do policies cost?
Premiums start at $15/month (averaging around $40/month), depending on risk factors. They can exceed $70/month or more for higher ages or individuals with increased risk profiles.
Are there waiting periods?
Yes, there is a one-year coverage wait period before you can make a claim.
What is Flora’s annual and lifetime coverage maximum?
Flora provides up to $10,000 in annual coverage and $50,000 in lifetime benefits. This is double the industry standard.
Can my partner’s treatments be covered under Flora’s policy?
Not at this time, but partner coverage will be available in the future.
Are there any treatments Flora does not cover?
At this time, Flora does not cover elective fertility treatments unrelated to medical infertility or procedures outside the clinical workflow. These include natural or alternative treatments or those not administered by an approved provider – i.e. a medical doctor licensed to practice in the area of fertility treatment and ART.
Claims & Process
How long does it take to process a claim?
Claims are typically processed within 14 business days but may take up to 45 days. Flora’s customer support team is available to assist with any questions during the process.
Does Flora work directly with fertility clinics and providers?
Flora allows you to see the fertility provider of your choice with reimbursement of approved treatment costs once you’ve submitted your claim. These providers must be regulated and approved to practice in the area of fertility treatment and ART and must be in good standing with their regulatory bodies.
Flora vs Other Options
How does Flora’s pricing compare to other options?
Flora offers predictable, fixed premiums—typically between $15 and $70 a month—based on your future fertility risk. Unlike other fertility financing options, it’s not tied to your employer, and you don’t need to take out a loan or finance your treatment.
How do IVF success-based insurance policies compare to Flora?
IVF success-based insurance is designed for people already undergoing or needing IVF. These policies typically require you to pay most of the treatment costs upfront, with potential refunds if a certain number of treatment rounds aren’t successful. Flora works differently—it’s a truly proactive insurance product reaching individuals at an earlier stage. It’s a fraction of the cost and is purchased before you are diagnosed as needing fertility treatment, so you’re covered if and when the time comes.
What makes Flora’s portability so advantageous?
Unlike employer-based group benefits that you lose if you switch jobs, Flora stays with you. No matter where you work, your coverage remains in place.
Flora Overview
Can you send me the full policy wording and exclusions?
We can direct you to our At A Glance document, which you can find here.
What makes Flora different?
Flora is the only fertility insurance product on the market that is individually-owned, offering private, self-insured coverage. This means it is independent from any work or health plan, and completely owned and controlled by you as the beneficiary.
What factors impact eligibility?
Flora eligibility is based on age, medical history, and lifestyle factors. Applicants must not have a current fertility diagnosis requiring treatment.
Can women and men enroll?
Right now, Flora’s policies are only available to individuals who were assigned female at birth with XX chromosomes.
What age group can enroll?
To apply for a Flora policy, applicants need to be between 20 and 34 years old. Once you’re issued a policy, you have coverage up until you turn age 45 provided your policy remains in place.
Can I apply if I currently need fertility treatment or have previously?
A Flora policy covers future fertility risk. If you're currently undergoing fertility treatment or have had treatment in the past, you unfortunately won’t be eligible for a Flora policy at this time.
When and how can I apply?
You can apply through the Flora digital application anytime if you meet the age criteria of 20-34 years old.
How much do premiums cost?
Standard premiums range from $15-$70/month based on age, though may be higher depending on your risk profile and underlying medical conditions or lifestyle factors.
Why would I buy a policy at a young age, when I can wait till I’m older?
There is incentive to buy a Flora policy early, even as young as 20 years old, and to hold it for a longer period of time. Your premiums are lower the younger you start and will stay lower the life of the policy. Further, the younger you are, the lower your risk, making underwriting easy and auto approval of a policy more likely. Individuals who buy a policy at a younger age will typically pay significantly less over the life of the policy as compared to those who buy it later.
How long does coverage last?
Once you’re issued a policy, your coverage can be used up until you turn 45 years old.
What factors might impact my eligibility for coverage or increase my premiums?
Eligibility may be affected by factors such as BMI, diminished ovarian reserve, certain medical conditions such as PMOS or endometriosis, among others.
How much coverage will I have?
All policies offer $50,000 of lifetime coverage, with $10,000/year maximum. We hope to increase these limits over time.
What is included in my coverage?
A Flora policy covers the clinical workflow once you are diagnosed as needing fertility treatment due to biological infertility. This includes diagnostics, medications, IUI and IVF, among other approved treatments, up to the policy limits.
Is egg freezing included?
Elective egg freezing is not included. Egg freezing may be covered if it is required for medical reasons.
How long does my policy last?
The first term of your policy is 24 months with auto-renewals every 12 months thereafter until you cancel the policy or turn age 45.
Once I have coverage, can I make a claim right away?
There is a one year coverage wait period before you are eligible to make any claims.
Coverage Questions
If IVF spans two policy years, can benefits be used from both annual limits?
Your coverage works on two limits: $10,000 per year and $50,000 lifetime. Your annual limit resets each year, so if a cycle starts in one year and completes in the next, you can use benefits from both annual limits. You're always covered up to your $50,000 lifetime maximum.
Are pre-existing fertility conditions covered after the waiting period?
Coverage for pre-existing conditions is determined during the underwriting process and depends on your individual health history.
Are fertility medications covered?
Yes. Fertility medications are included within your $10,000 annual coverage limit. They count toward your annual benefit just like diagnostics, IUI, and IVF.
Are there deductibles, copays, or coinsurance?
You'll have a 10% deductible on all claims. After you meet your deductible, FLORA covers eligible treatment costs up to your annual and lifetime limits. There are no additional copays or coinsurance beyond the 10% deductible.
I don't have a male partner. How would I ever qualify as "infertile" to use my coverage?
The same way any policyholder does: through a documented infertility diagnosis from a licensed fertility specialist.
How do I get diagnosed with infertility?
Generally, in order to be diagnosed with infertility, a woman would try unsuccessfully for a year to get pregnant, and then seek consultation from a fertility specialist.
Does FLORA cover same-sex couples, queer, and trans applicants?
Yes. FLORA doesn't factor in your partner's gender, your gender identity, or your sexual orientation when you apply. If you are a woman that meets our age and health eligibility, you can apply and be approved for a policy the same as anyone else.
What treatments are included?
Flora covers medically necessary fertility treatments once you’re diagnosed as needing fertility assistance. It currently does not cover purely elective procedures. We are continually evaluating ways of expanding coverage over time.
Are pre-existing conditions covered?
A Flora policy covers future fertility risk. If you've been diagnosed with a fertility condition before enrolling, you will need to disclose this at the time of underwriting. If you are already undergoing fertility treatment or are being seen by a fertility specialist, you are unfortunately not a candidate for a Flora policy at this time. If you experience fertility challenges after being issued a Flora policy and disclosed all relevant information at the time of underwriting, your coverage applies. We are working to create more solutions over time to ensure as many people as possible can access affordable coverage.
Can I choose any provider?
Yes! You can visit any licensed fertility specialist or clinic—there are no network restrictions. Your provider must be licensed to practice in the field of ART or fertility treatment and must be in good standing with their regulatory body.
Employer Contributions
Can my employer offer Flora as a benefit?
Yes! Employers can contribute toward employee premiums without the burden of traditional group benefits.
What happens if I leave my job?
Your policy is yours to keep, as long as you continue paying the premiums. This is completely unique to Flora and a huge advantage to employees.
How does Flora compare to traditional employer-sponsored group benefits?
Unlike traditional employer-sponsored fertility benefits that come with restrictions—like needing to qualify through your job’s group plan or having limited coverage—Flora is fully portable. Your policy belongs to you, so you can take it with you no matter where you work.
How can I present Flora to my HR team?
You can request a tailored employer proposal from Flora to share with your HR team.
Will my employer have access to my health information?
Your health information stays private and confidential—Flora keeps it secure and never shares it.
Policy details
Who is the insurance carrier and what is its AM Best financial strength rating?
FLORA is backed by A-rated insurance providers. This means when you need to use your coverage, you can count on the financial strength and stability of our partners to pay your claims.
What does Flora cover?
Flora’s coverage includes diagnostics, medications, IUI (intrauterine insemination), and IVF (in vitro fertilization), among other approved treatments. Policies are designed to cover less invasive to more advanced treatments over time.
How much do policies cost?
Premiums start at $15/month (averaging around $40/month), depending on risk factors. They can exceed $70/month or more for higher ages or individuals with increased risk profiles.
Are there waiting periods?
Yes, there is a one-year coverage wait period before you can make a claim.
What is Flora’s annual and lifetime coverage maximum?
Flora provides up to $10,000 in annual coverage and $50,000 in lifetime benefits. This is double the industry standard.
Can my partner’s treatments be covered under Flora’s policy?
Not at this time, but partner coverage will be available in the future.
Are there any treatments Flora does not cover?
At this time, Flora does not cover elective fertility treatments unrelated to medical infertility or procedures outside the clinical workflow. These include natural or alternative treatments or those not administered by an approved provider – i.e. a medical doctor licensed to practice in the area of fertility treatment and ART.
Claims & Process
How long does it take to process a claim?
Claims are typically processed within 14 business days but may take up to 45 days. Flora’s customer support team is available to assist with any questions during the process.
Does Flora work directly with fertility clinics and providers?
Flora allows you to see the fertility provider of your choice with reimbursement of approved treatment costs once you’ve submitted your claim. These providers must be regulated and approved to practice in the area of fertility treatment and ART and must be in good standing with their regulatory bodies.
Flora vs Other Options
How does Flora’s pricing compare to other options?
Flora offers predictable, fixed premiums—typically between $15 and $70 a month—based on your future fertility risk. Unlike other fertility financing options, it’s not tied to your employer, and you don’t need to take out a loan or finance your treatment.
How do IVF success-based insurance policies compare to Flora?
IVF success-based insurance is designed for people already undergoing or needing IVF. These policies typically require you to pay most of the treatment costs upfront, with potential refunds if a certain number of treatment rounds aren’t successful. Flora works differently—it’s a truly proactive insurance product reaching individuals at an earlier stage. It’s a fraction of the cost and is purchased before you are diagnosed as needing fertility treatment, so you’re covered if and when the time comes.
What makes Flora’s portability so advantageous?
Unlike employer-based group benefits that you lose if you switch jobs, Flora stays with you. No matter where you work, your coverage remains in place.
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SUBSCRIBE TO OUR NEWSLETTER
© 2026 FLORA