IVF cost plays a significant role in a couple’s ability to pursue fertility treatment to have a family. Often, it is the cost of treatment, not the couple’s desires, that determines if a couple is able to continue their fertility journey.
Despite being a medical issue, many medical insurance policies have limited or no fertility coverage. Although the Affordable Care Act set minimum levels of coverage for many issues, there were no mandates put in place for fertility care. While some states mandate coverage for fertility care, this is not universal.
In order to understand your fertility coverage, review your medical insurance policy. You can also gather information by contacting your insurance carrier or speaking with your benefits coordinator. Typically, insurance coverage for fertility care falls into one of the following categories:
- No Coverage – Some insurance policies exclude coverage for any treatment for fertility issues, including medication and diagnostic tests.
- Diagnostic Coverage – These types of policies provide coverage for diagnosing the cause of the fertility issue, but not treatment. These tests may include ultrasound, blood work and other diagnostic tests.
- Partial Coverage – Partial coverage insurance policies provide coverage for diagnosis as well as some treatment. These policies may not provide coverage for IVF cost, but will cover less expensive treatment options such as IUI, intrauterine insemination, or monitored timed intercourse.
- Full Coverage – Full coverage policies provide coverage for diagnosis and treatment of fertility concerns including IVF. It is common for full coverage policies to cover a limited number of IVF cycles or to limit the number of egg retrievals.
The cost of fertility medication may or may not be covered by the policies above. While some full coverage policies provide payment for fertility drugs, others do not. Check with your medical and prescription drug insurance carriers to determine what medications are covered and at what rates.
To discover your specific out of pocket IVF cost, contact a New Hope Fertility Center representative today. Their insurance coordinator can work directly with your insurance company to determine your fertility insurance coverage. Please click the link below to enter your information and New Hope will contact you, or simply call 212-517-7676. Thank You.