people ask about the cost of infertility treatment they
are usually referring to advanced reproductive technologies,
such as IVF, donor egg, and intracytoplasmic sperm injection.
Couples seeking help from an infertility clinic often
assume that they will require one or all of these procedures.
Studies demonstrate that approximately 10- 15% of couples
who visit a fertility specialist will eventually require
assisted reproductive technologies.
will be become pregnant through the appropriate use
of medications and often stimulated intrauterine insemination.
Success for an individual couple depends upon the cause(s)
of their infertility.
it is true that most managed care plans do not cover
infertility treatment, they will sometimes reimburse
diagnostic procedures such as the laparoscopy or hysterosalpingogram.
There are now thirteen states that mandate some type
of infertility coverage be provided by employers. Additionally,
some corporations have independently elected to offer
Most clinics have insurance specialists that help you
navigate the mire of allowed and disallowed procedures.
It is important to be very familiar with your individual
insurance plan. You should ask your personnel department
to provide you with a copy of the actual policy. Plans
vary between states and companies. Some provide a reimbursable
amount for each procedure, some pay a percentage after
the deductible has been met, and others provide a lifetime
capped amount for infertility treatment. Unfortunately,
as a general rule, if you do not live in a mandated
state your coverage will be limited. There have been
instances where an employee directly petitioned the
company's personnel department resulting in a benefit.
vary by program, location, and many other factors. Every
program has someone who will help you determine your
treatment cost and many have special financial programs.
"Shared risk" is a popular program in which the couple
pays for a certain number of IVF cycles "up front",
usually four and if pregnancy does not occur their money
is refunded. Programs vary in the specific definitions
of, and admission to, their shared risk programs.
Many studies demonstrate that the total cost of infertility
treatment is less when a reproductive specialist is
consulted early. Specialists will the order appropriate
tests on both partners and commence the treatment most
likely to result in pregnancy. Time is not wasted on
numerous cycles of medications, such as Clomid or treating
when male factor infertility has not been ruled out.