The past few years have been full of ups and downs. Okay, a lot downs, for most of us.
Let’s say you work for a company that offers you insurance. Great! And then you find out there is no fertility coverage under the plan. Not great. In fact, that’s heartbreaking. Especially if you know you’ll be needing fertility treatments in the next year. The thought of not being able to achieve your biggest hopes and dreams because of a lack of insurance coverage is incredibly upsetting. Skip to a specific section: What is open enrollment? 3 Things to Do During Open Enrollment Start Your Research Now Use Up Your Remaining 2021 Coverage Look Into Insurance Riders More Open Enrollment Resources
If you need to pursue fertility treatment, your next question is likely “How in the world am I going to pay for this?” Hopefully, your answer is your insurance provider! The first step is to figure out if your insurance policy includes fertility coverage and will help pay for the infertility treatments, tests, or other procedures your doctor may recommend. Maybe your insurance coverage includes a lifetime monetary stipend to use towards fertility treatment, or maybe it designates a set amount of IUI and IVF cycles. Maybe it includes only testing. Maybe your insurance plan doesn’t cover infertility at all. Just as every family is different, so is the insurance coverage for each of those families—or at least it seems that way. That’s why it’s so important to understand your unique plan. Keep in mind, your policy and the fertility coverage offered will vary by state, by employer and by cost. In this in-depth guide, you will learn about the different insurance opportunities to look for, the places you can find answers about affordability and other methods of paying for fertility treatment when insurance won’t cover everything you need. Ready to dive in? Skip to a specific section: Understand Your Insurance Coverage for Fertility Benefits What Does My Insurance Actually Cover? What if I don't have comprehensive fertility insurance coverage? Connecticut State Infertility Mandate New York State Infertility Mandate How to Choose the Right Fertility Clinic Where can I look for financial help with fertility treatment? What is Open Enrollment? More Fertility Coverage Resources
First, I’d like to wish all of the veterans out there a Happy Veterans Day! As a veteran myself, this day is a special one for me and for all of us who have served. I want to thank all of you who are currently in service and those who have served in the past for all your efforts. Thank you very much!
All families should have access to fertility care, but unfortunately, many still end up paying out of pocket or delaying treatment (sometimes indefinitely) due to the overwhelming financial burden.