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
There are fertility warriors that walk amongst us. In fact, the list gets longer and longer each day. There are also fertility heroes too... a slightly different breed.
In honor of Veterans Day, we asked Tyler and Crystal Wilson, who have worked tirelessly for necessary medical coverage for “wounded warriors” (military personnel injured in active service who have been denied fertility treatment, including in vitro fertilization), to use their voice as a shining example of how advocacy works. The Wilsons know, from their own personal experience, the pain and frustration of having injuries that make it impossible to have children without medical treatment due to active military service. Thank you, Tyler, both for your service to our country and to your fellow service people, regarding building a family after a debilitating injury.
One of the hardest decisions Dan and I faced during fertility treatment was making the transition from IUI (intrauterine insemination) to IVF (in vitro fertilization). I remember after failing our third round of IUI treatment (yes, I know, the politically correct way of putting this is, “after my third failed cycle”, but let’s face it, it felt like a personal failure when there was no positive pregnancy test!), my husband and I came face to face with a decision making moment: to pursue another round of IUI or bust out the big guns, moving ahead with IVF. There was a lot of time discussing this potentially life changing decision. We made tons of pros and cons lists because we wanted to ensure we were choosing the best option for the two of us and our situation. We considered lots of factors, but two kept rising to the top of importance: financial cost and our emotional sanity.