Finance - Fertility Health Insurance

Before you begin infertility testing and treatment, take time to understand your infertility insurance coverage. In this section we explore infertility insurance coverage around the nation to help you maximize your benefits and minimize your out-of-pocket expenses. This will keep you on the path of your dreams of having a baby.

Is your state covered?
Currently, infertility insurance coverage is not widespread in the United States. As of 2013 only 15 states in the U.S. have laws that require or make provisions for infertility insurance coverage. The states are: Arkansas, California, Connecticut, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas and West Virginia. Coverage varies from state to state, however, so be sure to check what your state covers.

Read the fine print
Even if you don’t live in one of these 15 states, your insurance plan may include some type of benefits for infertility insurance coverage. As a general rule of thumb, infertility falls into two areas: diagnostics and treatment. Most insurance policies will provide some level of coverage for diagnosis and testing although coverage of infertility treatment varies widely, if it’s covered at all. Attain Fertility® offers you a thorough guide to the infertility insurance process, including questions to ask before you commit to paying for fertility treatments. We have heard stories of women finding out, after treatment ended, that their insurance covered their fertility meds, so always be prepared by reading the fine print.

Other finance options
If you are lucky enough to live in a state that requires some form of insurance coverage for infertility treatment, consider yourself fortunate. If you don’t have coverage, don’t lose hope. Multiple options exist to help you finance any remaining out-of-pocket costs.