| The decision about whether to use fertility | | | | the infertility, such as endometriosis. |
| treatments and how far you're willing to go is deeply | | | | To determine if you have coverage for infertility |
| linked to cost of IVF treatment for many couples. It | | | | treatment, ask your employer for a copy of your |
| can be easy to get in too deep and spend more than | | | | health insurance policy contract. If your contract does |
| you affordably can on fertility treatments. No one | | | | not specifically exclude infertility treatment, then it is |
| plans to go broke using assisted reproduction, but it | | | | covered. If it mentions infertility treatments, read it |
| happens in a gradual way. You pay for the drugs and | | | | carefully to see what, if anything, it does cover. It |
| tests and those don't get you results. So you | | | | might, for example, cover diagnosis of infertility |
| escalate to insemination and then decide to try one in | | | | problems, but not actual treatment. |
| vitro cycle, then another, and another. If that gets | | | | If you are married, be sure to check both your policy |
| you nowhere, you may move on to donors and then | | | | and your spouse's policy, since once of you might |
| to a surrogate. It's a slippery (and expensive) slope | | | | have more extensive coverage. If this is the case, |
| once you start down it. | | | | the spouse with the extensive policy would add the |
| IVF Insurance | | | | other spouse onto the policy and go to a family |
| Your first step to managing the financial aspect of | | | | policy instead of an individual one. |
| your fertility treatments is to explore what your | | | | This might cost more in employee contributions, but |
| insurance will cover and what it will not. In most | | | | if the coverage is better, this investment will pay off. |
| states, insurance companies are not required to | | | | Remember that once your child is born you will need |
| provide coverage for infertility procedures. However, | | | | a family policy anyway, so you're simply taking that |
| coverage is normally provided for diagnosis and | | | | step a little sooner than you would have had to |
| treatment if there is an underlying medical cause for | | | | anyhow. |