Fertility Blog

While fertility treatments like IVF are an amazing pathway to parenthood for many people, it’s no secret that they are also expensive - and many insurance plans won't cover all the costs. Many hopeful parents are left wondering how to pay for IVF without insurance coverage.

Hey there, forward thinker! Whether you’re considering egg freezing for personal, professional, or health reasons, you’ve made family planning a priority. Your next task? Finding the answer to the all-important question, "How much does egg freezing cost?" 

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 so great. Finding out that the care you need isn't covered by insurance is beyond frustrating. In fact, it'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. So, what should you do?

Infertility affects 1 in 8 people in the United States, and among them are those whose service in the U.S. military has cost them their chance to have a biological child without medical intervention. Unfortunately, military insurance coverage does not fully cover the treatment of infertility connected to service-related injuries. Learn about the military discounts that Illume Fertility offers and how they can help defray the cost of treatment.

The past few years have been full of ups and downs. Okay, a lot downs, for most of us. And finding out you are in need of fertility treatment in the midst of it all pretty much seems like a final blow.

Going through fertility challenges or losses can leave you feeling isolated. We're here to remind you that no matter what stage of the journey you're in, there is a beautiful community ready to embrace and support you. 

Even with 1 in 8 couples facing infertility, many health insurance providers exclude or limit coverage for this treatable condition - meaning many people don't even get the chance to grow their family. Organizations like the Nest Egg Foundation are stepping up to help.

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