Updated by the Progyny Editorial Team — October 2025.
Progyny is here to support you every step of the way as you navigate your fertility and family-building journey — including understanding your financial responsibilities. We want to make sure you have the tools you need to make informed decisions about your care.
Below are answers to some of the most frequently asked financial questions to help you prepare for your next steps.
You can always reach out to your Progyny Care Advocate (PCA) for more information, guidance, and support.
What is my financial responsibility with Progyny?
Your financial responsibility depends on your specific health plan and where you are in your plan year. At the start of each plan year, your deductible and out-of-pocket maximum may reset. This means you’ll pay out of pocket for covered medical services — including fertility care — until you meet your deductible or out-of-pocket maximum.
Once you reach your out-of-pocket maximum, your insurance company covers 100% of eligible services for the rest of the year.
When will I receive my bill, and how can I pay it?
You can expect to receive invoices from Progyny for covered services, including tests, office visits, and treatment. Invoices are usually processed within 45 days after your treatment cycle is complete and will outline your cost share for each service.
If you have Progyny Rx coverage, you’ll also receive invoices for medications, which can take up to 45 days to process after dispensing. You can pay your Progyny invoices using your health savings account or flexible spending account.
Does Progyny offer payment plans for treatment?
Yes, you can set up an interest-free payment plan with Progyny. Contact your PCA to learn more.
How do I get started?
PCAs are fertility experts trained to provide clinical, financial, and emotional support throughout your journey. Contact your PCA for guidance on treatment options, appointment preparation, and any questions about your benefit.