Our process is straightforward: you pay upfront for treatment, then submit your receipts to us for reimbursement. You can use your coverage at any clinic in the U.S.

Once she's approved, you pay her monthly premium directly. The policy still belongs to her, so if she ever wants to take over the payments herself, she can. All she needs is your credit card!

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.

Coverage for pre-existing conditions is determined during the underwriting process and depends on your individual health history. 

Medical necessity is when it’s been made clear that you have received an infertility diagnosis by a registered fertility specialist requiring treatment.

We can direct you to our At A Glance document, which you can find here.

Yes. Fertility medications are included within your $10,000 annual coverage limit. They count toward your annual benefit just like diagnostics, IUI, and IVF.

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.

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.

The same way any policyholder does: through a documented infertility diagnosis from a licensed fertility specialist.