Transparency in Benefits Coverage

In compliance with the Transparency in Coverage Rule, issued in 2020 by the U.S. Department of Health & Human Services, U.S. Department of Labor and U.S. Department of the Treasury and enforced beginning 7/1/22, health plans (which includes Inception Fertility’s sponsored employee benefit plans) and health insurance issuers must publish two separate MRFs.

• In Network: Negotiated rates for all covered items and services between the plan or issuer and in-network providers.
• Out of Network: Allowed amount paid to, and billed charges from, out-of-network providers for all covered services within a 90-day period.

The files can accessed via the link below:

https://www.cigna.com/legal/compliance/machine-readable-files