| If your health insurance plan does not cover in vitro | | | | for one of these programs in order to participate. In |
| fertilization use a two step approach to make your | | | | other words the clinic will agree to refund your |
| IVF treatments more affordable. First, find an IVF | | | | money if, based on their experience and data, you |
| clinic that will provide a refund program. If you qualify | | | | will have a successful outcome. This step does two |
| medically for the refund, apply for supplemental | | | | things: it allows you to move forward without having |
| insurance coverage. You will cover yourself in three | | | | to "waste money" on unsuccessful treatments, and it |
| ways: rebates if you fail to conceive, a triple return | | | | confirms that you are likely to conceive. |
| for your normal delivery, and extra protection just in | | | | Knowing that you are likely to conceive, buy |
| case. | | | | supplemental insurance before starting your next IVF |
| Many couples undergoing in vitro fertilization find that | | | | cycle. Supplemental insurance pays cash benefits |
| their health insurance plan will not provide coverage. | | | | directly to you for your normal labor and delivery. |
| If you find yourself in this situation you may be | | | | Your benefit for normal delivery may be three times |
| looking at $10,000 or more in out-of-pocket costs. | | | | what you pay in premium if coverage starts three |
| Plus there is the possible cost of the pregnancy, lost | | | | months before conception. For example, $200 per |
| income during maternity leave, along with the extra | | | | month in premium may yield a $7,800 benefit for a |
| mouth to feed and clothe. Make your in vitro | | | | c-section delivery. |
| fertilization treatments more affordable by following | | | | But that's not all you may see in benefit. |
| this two step approach. | | | | Supplemental insurance may pay additional benefits if |
| Your first step is to find a fertility clinic that will | | | | you experience pregnancy complications, premature |
| provide you with a refund or rebate programs. The | | | | birth from IVF multiples, postpartum disorders, |
| clinic will reimburse some or all of your costs if you | | | | accidents, or an illness. |
| fail to conceive or deliver. You must qualify medically | | | | |