In vitro fertilization (IVF) is a process used to treat infertility by fertilizing eggs with sperm outside of the body. The procedure can be expensive, ranging from $12,000 to $15,000 per cycle, and requires multiple cycles for maximum success.

Because of this, many people wonder if their health insurance will cover the cost of IVF treatments. Here is a look at what you need to know about health insurance coverage for IVF.

Understanding IVF Treatments

IVF treatments are used in cases where other treatments for infertility have failed or are not an option.

The process involves monitoring a woman’s ovulation cycle, retrieving eggs from her ovaries, fertilizing them with sperm in a laboratory and then transferring the fertilized embryos back into the uterus. This process can be time-consuming, and some health insurance plans do not cover the full cost of IVF.

Insurance Coverage for IVF Treatments

There is no federal law requiring health insurance to cover IVF treatments. However, some states require insurance companies to cover the cost of the procedure.

Currently, 17 states have passed laws mandating that health insurance providers cover some or all of the cost of IVF. The amount of coverage varies from state to state.

States Requiring IVF Coverage

Here is a list of the 17 states that require insurance coverage for IVF:.

Arkansas
California
Connecticut
Hawaii
Illinois
Louisiana
Maryland
Massachusetts
Montana
New Jersey
New York
Ohio
Rhode Island
Texas
West Virginia
Wisconsin

Fertility Benefits in Health Insurance Plans

Many health insurance plans offer fertility benefits to their members. These benefits can include coverage for diagnostic tests, medications to stimulate ovulation, and intrauterine insemination.

However, not all health insurance plans cover the full cost of IVF. Some plans may require members to meet certain criteria, such as a diagnosis of infertility, to be eligible for coverage.

Employer-Sponsored Insurance Coverage

Employer-sponsored health insurance plans may offer fertility benefits to their employees. However, the level of coverage can vary and may not include IVF.

It is important to review the benefit package offered by your employer to determine what is covered.

Out-of-Pocket Costs for IVF

For those without insurance coverage for IVF, the out-of-pocket costs can be substantial. Many fertility clinics offer financing options, such as payment plans or loans, to help patients cover the cost of treatment.

There are also non-profit organizations that offer grants and financial assistance to help pay for IVF.

Conclusion

IVF treatments can be expensive, and health insurance coverage for the procedure varies. Before starting treatment, it is important to review your insurance plan to determine what is covered.

If IVF is not covered, consider other options, such as financing or non-profit organizations that offer financial assistance. Remember, with the right support and resources, IVF can be a life-changing procedure.