Frequently asked questions

Which insurance does Legacy accept?

Legacy is in-network with several leading insurance providers, including:

Aetna

Cigna

EmblemHealth

TriWest

UnitedHealthcare

Your specific plan’s coverage will depend on your location and benefits details.

You may also want to explore coverage from fertility benefits programs offered by some employers. Legacy’s products and services may be covered by benefits from:

Carrot

Progyny

Maven

WINFertility

Not sure if you have access to these benefits? Ask your employer! The details of your coverage will depend on which plan is offered by your employer.

Which Legacy products and services are covered by insurance or fertility benefits?

Most eligible insurance plans cover a “For Today” semen analysis kit plus one year of frozen sperm storage. Your insurance or benefits plan may cover additional testing or storage. Check your explanation of benefits document for clarity.

Will my sperm testing/freezing be 100% covered by insurance?

By using this insurance eligibility tool, you’re able to check if Legacy is in-network with your plan. However, we are not able to confirm that your insurance plan will cover 100% of the fees associated with sperm testing and freezing.

Your specific insurance plan may include:

A deductible: An out-of-pocket cost you need to pay before your insurance will cover services.

A copay or coinsurance: A flat- or percentage-based fee assessed by your insurance plan on specific medical services.

Additionally, fertility diagnostic testing and fertility preservation may be considered a non-covered service by some insurance plans.

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What will I owe if I use my insurance, and when?

You can check your insurance plan’s explanation of benefits, typically mailed to you or available online, to understand whether fertility testing and preservation services will be covered, and if a deductible, copay, or coinsurance will apply. Your explanation of benefits should also specify if prior authorization is required for your plan.

Alternatively, you can call the Member hotline found on the back of your insurance card. Due to regulations around provider-plan communication, we can’t make this call for you.

Keep in mind that you’ll be responsible for any charges that are not covered by your insurance plan or fertility benefits (up to the full cost of the services purchased, or $540). Typically, claims are processed and fees assessed by insurance providers within 2 months.

The CPT® or procedure codes associated with Legacy’s testing and freezing services include:

89320 Semen analysis

89259 Cryopreservation, sperm

89343 One year storage, sperm

89353 Thawing cryopreserved sperm

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What if my insurance plan requires prior authorization or another process to demonstrate medical necessity?

Prior authorization is a process by which your insurance provider approves care in advance. Some plans require prior authorization, or a similar process, to assess medical necessity before they’ll cover a claim.

Legacy is not your medical provider, and does not have access to your medical history, records, or documentation. Therefore we cannot provide evidence of medical necessity or complete prior authorization requests.

If your plan requires prior authorization, we recommend that you see your own physician and discuss at-home semen analysis and sperm freezing with Legacy. Your doctor can submit the information required for prior authorization digitally.

What if I paid for my Legacy products or services out of pocket — can I submit to my insurance for reimbursement?

If you already purchased a Legacy kit or bundle on your own, the easiest way to get reimbursed by your insurance or benefits plan is to submit an itemized insurance receipt. Then, your insurance will reimburse you directly for the covered costs.

To get an itemized insurance receipt, please email us at receipts@givelegcy.com.

Can I use my FSA or HSA to pay for Legacy’s products or services?

Yes. Certain Legacy products and services are eligible for reimbursement via flexible spending accounts (FSA) and health savings accounts (HSA).

What may be eligible:

Semen analysis

Temporary frozen sperm storage

If you plan to submit your purchase for reimbursement from an FSA or HSA, please contact us for an itemized FSA/HSA receipt. Email us at clientservices@givelegacy.com.

What's the difference between samples and vials?

One "sample" is the term for the product of a single ejaculation. One sample will be divided into 4 vials before freezing. Typically, 1 or more vials is used for each pregnancy attempt, depending on what kind of fertility treatment you are using (IVF vs. IUI) and your post-thaw total motile sperm count. When you want to use your sperm, you can withdraw just the number of vials you need for your treatment, and the rest can stay securely in storage.

It's important to note that you will be providing 1 sample per Legacy kit. If you would like to freeze more sperm, our sperm freezing bundles may be a good value for you. Get started.

Are you covered?

Eligible insurance plans cover a standard semen analysis and 1 year of frozen sperm storage

Frequently asked questions