However, that doesn't mean that couples in Michigan necessarily have to pay for all of their treatments out of pocket. In addition to financing options, here are some helpful pointers about IVF insurance coverage and how to make sure the costs of any diagnostics or treatments remain affordable and available to you.
Get it in writing.
Don't think that a simple call to customer service is adequate to ensure that your insurance will pay for treatments. If fertility or IVF coverage is important to you, then it's best to establish contact with a representative well before you even visit a fertility clinic to learn what types of tests, screenings, medications, or procedures might be covered by IVF insurance.
Ask about the maximum level of monetary coverage as well as how many IVF cycles could be included in your plan. Then, make sure to have all of this information given to you in writing to protect you from any disputes later.
Consider a payment plan.
If IVF insurance isn't available or doesn't cover enough of the costs, there are still a number of ways to finance your infertility treatments. After all, these procedures are fairly common: around 7.4 million women, or 11.9% of the U.S. female population, have received some type of infertility service in their lifetimes.
In 85 to 90% of these cases, treatments involve drug therapies or surgical procedures. You might ask your clinic about IVF payment plans, take out a loan, or consider a medical-use credit card. No matter your financial situation, there is likely a payment solution plan for you.
While fertility treatments can be a long and sometimes expensive process, the end result is worth it for many couples and future parents. IVF Michigan Rochester Hills and Flint will work with you to help make your dreams of parenthood come true. Talk with a clinic representative today about how you can get the most out of your insurance benefits or negotiate a payment plan that works for you.