CCRM Fertility is a network of fertility clinics offering in vitro fertilization and related reproductive services
CCRM Fertility operates multiple clinic locations across the United States, each providing services like IVF (in vitro fertilization), egg freezing, embryo transfer, and diagnostic testing for fertility issues. The network includes clinics in Colorado, California, New York, and other states, though the exact number and locations change as the organization expands or adjusts its footprint. Each location operates as its own clinic but shares CCRM's protocols and medical standards.
CCRM is a private fertility clinic network, meaning it is not part of a hospital system or government program. You pay out of pocket, through insurance coverage if your plan includes fertility benefits, or through financing options the clinics may offer. The cost of treatment, the specific services available, and insurance acceptance vary by location.
If you are considering CCRM or any fertility clinic, you will need to contact the specific location near you to learn about their current services, costs, and whether they accept your insurance. This guide explains what types of services fertility clinics like CCRM typically offer and what to expect when you call.
Key Takeaways
- CCRM Fertility operates multiple clinics across different states, and each location has its own contact information, costs, and insurance policies.
- Common services include IVF, egg freezing, embryo testing, and diagnostic procedures, but not all clinics offer every service.
- Treatment costs are not covered by most insurance plans, though some employers or states offer fertility benefits that may reduce your out-of-pocket expense.
- Your first step is usually a consultation appointment where a doctor reviews your medical history and recommends which treatments might be appropriate for your situation.
- Fertility treatment timelines vary widely depending on your age, diagnosis, and the specific protocol your doctor recommends.
Types of services CCRM Fertility clinics typically provide
Fertility clinics in the CCRM network offer several categories of service. IVF (in vitro fertilization) is the most common: eggs are removed from the ovaries, fertilized with sperm in a laboratory, and then transferred back into the uterus as embryos. Egg freezing allows you to preserve unfertilized eggs for later use, which some people choose for medical reasons (such as before cancer treatment) or personal reasons (such as delaying parenthood). Embryo testing, also called PGT (preimplantation genetic testing), screens embryos for chromosomal abnormalities or specific genetic conditions before transfer.
Other services typically include diagnostic testing such as semen analysis, ovulation tracking, and imaging to check for structural issues in the reproductive system. Some clinics offer fertility preservation for people facing medical treatments that might affect fertility. Clinics may also provide donor services, meaning they can connect you with egg donors or sperm donors, though the availability and process for this varies by location.
Not every CCRM location offers every service. Some clinics specialize in certain treatments or have different equipment and staffing. When you contact a clinic, ask specifically which services they provide and whether they have experience with your particular situation.
How much CCRM Fertility treatment costs and what insurance may cover
The cost of fertility treatment at CCRM varies significantly by location, the specific procedure, and whether you use your own eggs or donor eggs. A single IVF cycle (from hormone stimulation through embryo transfer) typically costs between $12,000 and $18,000 at most U.S. fertility clinics, though CCRM's pricing may differ. Egg freezing, embryo testing, and donor services add additional costs. You will need to contact your local CCRM clinic for their current pricing.
Most standard health insurance plans do not cover fertility treatment, though a small number of states require insurers to cover some or all of the cost. States with fertility coverage mandates include New York, Illinois, Massachusetts, and others, but the scope of coverage varies—some cover only diagnostic testing, others cover full IVF cycles. If CCRM has a clinic in your state, ask whether they have a benefits verification team that can check your specific plan.
Some employers offer fertility benefits through their health plan or as a separate rider. Some clinics also offer financing plans, package pricing (where you pay a set amount for multiple cycles), or refund programs (where you receive money back if treatment does not result in a pregnancy). These options vary by location and change over time, so ask about them when you call.
What to expect during your first consultation at a fertility clinic
Your first appointment at a CCRM clinic will typically include a detailed medical history, a physical exam, and often an ultrasound. The doctor will ask about your age, how long you have been trying to conceive, any previous pregnancies or miscarriages, medical conditions, medications, and family history. If you have a partner, they may be asked about their medical history as well. Bring any previous fertility test results or medical records if you have them.
The doctor will explain what they think might be affecting your fertility and recommend which tests or treatments might be appropriate. This is when you can ask questions about success rates, timeline, costs, and what the process involves. Some clinics provide written materials or videos explaining each step. You are not obligated to start treatment at this appointment—many people use the consultation to gather information before deciding whether to proceed.
After the consultation, if you decide to move forward, the clinic will schedule additional testing or a treatment cycle. The timeline depends on your menstrual cycle and the specific protocol your doctor recommends. Most clinics require certain bloodwork and screening before starting any hormone medications.
How treatment timelines work and what affects how long it takes
A single IVF cycle from start to finish typically takes 4 to 6 weeks, though this varies. The timeline depends on your menstrual cycle, how your body responds to hormone medications, and whether the clinic needs to do additional testing first. Some people start treatment within a few weeks of their first appointment; others wait for their next cycle or need preliminary testing that takes longer.
If your first cycle does not result in pregnancy, you may wait for your next menstrual cycle before starting again. Some people do multiple cycles in a row; others space them out by months. Your age, egg quality, and the reason for infertility all affect how many cycles you might need and how long the overall process takes. A doctor can discuss realistic timelines based on your specific situation.
Egg freezing has a different timeline: the hormone stimulation and egg retrieval take about 2 weeks, but the eggs are then frozen and stored. You can use them months or years later. Embryo testing adds about 1 to 2 weeks to a cycle because the embryos must be biopsied and tested before transfer.
Insurance, financing, and payment options at CCRM clinics
When you contact a CCRM clinic, ask whether they have a financial counselor or benefits verification team. These staff members can review your insurance plan, tell you what your plan covers (if anything), and explain your out-of-pocket costs before you start treatment. Some clinics can submit claims to insurance on your behalf; others require you to pay upfront and then submit for reimbursement yourself.
If your insurance does not cover fertility treatment, ask about the clinic's financing options. Many fertility clinics partner with medical financing companies that offer payment plans with little or no interest for a set period. Some clinics offer package deals where you pay a flat fee for multiple IVF cycles, with a refund if none result in a live birth. These programs have specific terms and conditions, so read the details carefully.
Some employers offer fertility benefits through programs like Progyny or Carrot Fertility, which provide coverage or subsidies for treatment at participating clinics. If your employer offers this, check whether CCRM clinics in your area are included. You can also ask your HR department whether your company has any fertility support programs.
Questions to ask when you contact a CCRM clinic
Before scheduling a consultation, you may want to call and ask a few preliminary questions to see whether the clinic is a good fit for your situation. Ask whether the clinic has experience treating cases similar to yours, what their success rates are for your age group, and whether they offer the specific services you are interested in (such as egg freezing or donor services).
Ask about their current wait time for a consultation appointment and whether they offer virtual consultations if you are not local. Ask what testing or records they need before your first appointment and whether you should bring anything with you. Ask about their cancellation policy and what happens if you need to pause treatment for any reason.
Ask whether they have financing or payment plan options and whether they accept your insurance. If you are considering multiple clinics, these questions will help you compare and decide where to start.
Frequently Asked Questions
Does CCRM Fertility have clinics in my state?
CCRM operates clinics in multiple states, but the exact locations change. Visit the CCRM website or call their main number to find the clinic nearest you. If there is no CCRM clinic in your state, you can search for other fertility clinics in your area through your insurance provider's website or through the American Society for Reproductive Medicine (ASRM).
What is the success rate for IVF at CCRM?
Success rates vary by age, egg quality, and other factors. CCRM publishes success rates on their website, but these are averages across all patients. Ask your specific doctor what success rates look like for someone your age with your diagnosis. Success rates also depend on how "success" is defined—some clinics report pregnancy rates, others report live birth rates.
Can I use my FSA or HSA to pay for fertility treatment?
Yes, you can use funds from a Flexible Spending Account (FSA) or Health Savings Account (HSA) to pay for fertility treatment, including IVF, egg freezing, and related procedures. Ask your clinic whether they accept FSA or HSA cards directly, or whether you will need to pay out of pocket and then submit for reimbursement.
What if my insurance does not cover fertility treatment?
Many people pay out of pocket or use financing options. Ask the clinic about payment plans, package pricing, or refund programs. Some employers offer fertility benefits even if your health insurance does not cover it. You can also check whether your state has a fertility coverage mandate that might explore to your plan.
How long after my first appointment can I start treatment?
This depends on the clinic's schedule and your menstrual cycle. Some clinics can start you within a few weeks; others have longer wait times. Ask when you call whether they have availability and what the typical timeline is from consultation to starting a cycle.