Lack of insurance coverage for fertility care, including paying for IVF cost, is a source of frustration for many individuals. While some policies provide payment for IVF treatment, others provide reduced or no coverage for fertility care. Insurance coverage for IVF and other fertility treatments is not universal and must be evaluated policy by policy.
Understanding Your Coverage
The first step in understanding how much you will need to pay for fertility treatment is to identify the benefits of your policy. Typically, insurance policies provide one of the following types of coverage:
- No coverage for fertility care.
- Coverage for identifying the root cause of the fertility issue, but no coverage for fertility treatment.
- Limited coverage for fertility treatments or only providing payment for less invasive treatment options like timed intercourse and intrauterine insemination (IUI)
- Full coverage for fertility testing and treatment including covering IVF cost. There is often a cap on the number of egg retrievals a policy will cover.
Reading through your plan documents can provide insight on the coverage your policy provides. Additionally, your benefits coordinator or insurance provider may be contacted directly to explain coverage.
Your fertility center can also provide your specific IVF cost given their acceptance of your insurance and your treatment plan. The fertility center will work with your insurance company and advocate on your behalf. As your treatment progresses, the treatment center will stay in contact with the insurance company, making updates as necessary to ensure your treatment remains on track.
High quality fertility centers will have options for patients without insurance coverage for their IVF cost. Partnerships with finance companies and payment options provide couples with a way to pay for IVF treatment and achieve their dream of starting a healthy family. In addition to being safer, more comfortable treatment options, minimal stimulation IVF protocols can be easier for those without insurance to pay for as fertility medication can be a large part of the true cost of IVF.
Receive personalized information on your insurance coverage and your specific out of pocket costs by contacting the experts at New Hope Fertility Center today. Please click the link below to enter your information and New Hope will contact you, or simply call 212-517-7676. Thank You.