Pre-authorization is a requirement from your health insurance company that your doctor obtain approval from your plan before it will cover any costs.

Medical necessity is a decision by your health insurance plan that your treatment, test, or procedure is necessary for your health or to treat a diagnosed medical problem.

A copayment or copay is a fixed amount for a covered service, paid by a patient to the provider of service before receiving the service.

Coinsurance is your share of the costs of a health care service. It’s usually figured as a percentage of the amount we allow to be charged for services.

In an insurance policy, the deductible is the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses.

Out-of-pocket maximum is the most you have to pay for covered services in a plan year. After it is spent, your health plan pays 100% of the covered benefits.

The lifetime maximum insurance benefit is the maximum dollar amount that your insurance company will pay for your infertility treatment.