Start States mandating infertility insurance coverage

States mandating infertility insurance coverage

IVF insurance coverage is less common than coverage for fertility services other than IVF.

However, be sure and read the fine print and talk to your fertility doctor if egg freezing, preimplantation genetic diagnosis (PGD) or intracellular sperm injection (ICSI) are recommended, so you know in advance if your insurance covers those procedures.

There are financing plans available to help you cover the cost and get the baby you want. We’re Here to Help Are you just beginning on the road to parenthood through fertility treatment?

Perhaps you don’t have coverage for fertility treatment through your insurance, or you have exhausted your benefits. We offer financing programs specifically for self-pay patients.

In all cases where there is at least some coverage, be sure to talk to your doctor and the fertility center financial specialist about what your plan will cover.

Often a plan will pay for one preferred drug and will not pay for a different one.

The same thing goes for labs—make sure you are sent to an in-network lab for your testing. Even if your state has some mandated insurance coverage for fertility treatment, it may not require coverage of fertility medications, or it may cover clomiphene citrate (Clomid) but not the injectable fertility drugs.

Even if your insurance does not provide any coverage for fertility treatment, don’t despair.

Here are some facts to help you investigate what your health insurance can do for you.