Fertility Blog

At a glance → Two patients can have the same procedure at the same clinic and still receive bills that differ by tens of thousands of dollars, often for reasons unrelated to the medical care itself → One of the biggest drivers is whether your plan is fully insured or self-funded, which determines whether state fertility mandates apply → Medication response, treatment protocol, add-on services, deductible status, and separate employer fertility benefits can all change your final cost → Comparing your bill to a friend’s rarely gives you the full picture; the better comparison is your estimate versus your final bill One of the most frustrating things about IVF is often trying to understand how much you'll pay for treatment (and why). You may have landed here after comparing numbers with a friend or seeing cycle costs in an online forum that don't match the bill you're holding. And the reason those numbers rarely line up has almost nothing to do with the care you receive.

One of the first questions people ask when considering fertility treatment is, "Does my insurance cover IVF?" Coverage varies widely, so the answer depends on state laws, your employer’s plan, and how your insurer defines infertility and medical necessity. Below, we’ll show you how to check your benefits, what to ask your insurance provider, how to understand your coverage, and ways to afford IVF without insurance.

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. Last updated April 30, 2026 Finding out that the care you need isn't covered by insurance is beyond frustrating, especially if you plan to undergo fertility treatments in the coming year. This guide breaks down the basics of open enrollment, how to evaluate your current insurance plan, and how being proactive now can increase your chances of success.

After the Alabama Supreme Court ruled that embryos resulting from in vitro fertilization (IVF) should be considered "children" under state law, family-building experts and advocates take action, outlining the importance of access to fertility care nationwide.

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. Learn how to explore your plan's coverage and get the most out of your insurance with our detailed guide below.

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.