Fertisalus


If you're struggling to cover the costs of IVF, read our guide on how to get insurance coverage. Learn about creative ways to pay for IVF and find out what may work best for you.

How To Pay For IVF: Creative Way to Get Insurance Coverage

Infertility affects about 6.1 million women in the United States. Many people think in-vitro fertilization (IVF) is their only hope to have a child. IVF is a process where an egg is fertilized by sperm in a lab, and then the embryo is transferred to the uterus. The average cost of one IVF cycle is $12,000, and most insurance companies do not cover the procedure. Here are some creative ways to get your insurance company to cover the cost of IVF.

1. Look for an IVF-specific policy

There are a few insurance companies that offer IVF-specific policies. These policies are designed to cover the cost of IVF, and may also cover other fertility treatments. Some policies have a lifetime maximum benefit, while others have a per-cycle maximum benefit.

2. Get a rider on your existing policy

If you have a regular health insurance policy, you may be able to get a rider that covers the cost of IVF. A rider is an add-on to your existing policy that covers a specific procedure or treatment. Riders typically have a maximum benefit, and may have other restrictions, such as a waiting period.

3. Join a fertility buying group

There are a few fertility buying groups that offer discounts on IVF. These groups work with fertility clinics to negotiate lower prices for their members. In some cases, the discount may be as much as 50% off the regular price of IVF.

4. Use a flexible spending account (FSA)

If your employer offers a flexible spending account (FSA), you may be able to use it to pay for IVF. An FSA is a tax-advantaged account that you can use to pay for certain medical expenses, including fertility treatments. You can contribute up to $2,500 per year to an FSA, and the money is not subject to federal income taxes.

5. Get a loan

There are a few companies that offer loans specifically for fertility treatments, including IVF. These loans typically have low interest rates and flexible repayment terms. You can use the loan to pay for IVF, and then make monthly payments until the loan is paid off.

With the average cost of one IVF cycle being $12,000, it’s no wonder that many people are looking for ways to get their insurance companies to cover the cost. By using one of the methods above, you may be able to get your insurance company to cover all or part of the cost of IVF.

Stressing about how to pay for IVF? Ami Chokshi shares the ingenious way she was able to get insurance coverage, get her IVF meds paid for, and talks about why you need to check out IVF clinical studies that your reproductive endocrinologist might be participating in FIRST!

For more ways to Pay for IVF and to Make, Save, and Manifest money for treatment go to DevonBaeza.com

Learn more about Ami and her amazing work at amichokshi.com