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The IVF Fertility Blog

How To Navigate Through Your Fertility Bills

Paying for fertility treatment weighs heavily on the minds of many couples.  Navigating fertility costs is possible by following a few key steps.

Insurance CoverageExtra.H-1

The first step is to understand your level of insurance coverage.  Not all insurance policies provide coverage for fertility treatment.  Other insurance policies provide coverage for some treatment protocols but not all.  Understanding your coverage allows you to strategically allocate your finances for treatment. 

When using insurance it is important to maximize your benefits.  Look for fertility providers that are in your insurance network.  In-network providers are paid at a higher rate allowing patients to receive additional treatment and reduce your out-of-pocket costs. 

Payment Options

For those with partial or no insurance coverage, it is important to understand payment options.  Speak with your fertility center to determine when payments are required and how payment plans work.  Many fertility centers offer packages for fertility treatment that provide savings.  Ask about financing options that can help to spread out the cost associated with fertility treatment.  It is important to understand the payment schedule ahead of time to avoid difficult conversations during treatment. 

Know the Costs

For any fertility treatment, it is important to understand both treatment and medication costs.  There should be full disclosure as to the cost of fertility treatment and what each payment covers.  If your fertility treatment center is not upfront about treatment costs or is unwilling to answer your questions, you may need to look at other options.   

Lower Cost Options

Not all fertility treatments have the same costs.  Less invasive treatment protocols often have a lower cost.  Additionally, treatment options that use less fertility medication, such as Mini IVF, require less out-of-pocket cost.  While cost should not be the only thing that drives your treatment option, they should be considered to make navigating fertility costs easier.

Speak with a member of the New Hope Fertility Center team for assistance understanding and navigating fertility costs.  Please click the link below to enter your information and New Hope will contact you, or simply call 212-517-7676.  Thank you.

 NHFC Consultation Natural Cycle IVF

Topics: Fertility, Fertility Centers, Fertility Treatment, financial cost of baby

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