Insurance coverage is largely determined by state and insurance plan.While insurance plans often cover infertility testing, it is less likely that they will provide treatment coverage. This coverage depends on your specific insurance plan and the state where you life. The following states have some level of infertility coverage mandate:
- New Jersey
- New York
- Rhode Island
- West Virginia
Even within these states, the specific mandates do vary. This is why it's important to talk to your fertility clinic and insurance provider about whether you have coverage.
How can I pay for my infertility treatments?Since it is common for those struggling with infertility to not have IVF insurance, it's helpful to know the other financing options. These are some of the most common ways that patients fund their treatments, other than their own savings, but they are not the only options.
- Grants: Organizations such as The International Council on Infertility Information Dissemination, Inc. provide IVF scholarships to those looking to fund their treatment. If you qualify, these may provide the financial boost that you need.
- Financing Programs: Talk to your fertility doctor about any IVF financing programs that their office provides or that they are willing to refer you to.
- Tax Deductions: Some patients also choose to seek out tax deductions to ease their treatment payments. Speak with an accountant about whether your income will help you qualify.
- Crowdfunding: Some patients also choose to gather donations from their family, friends, and even strangers to fund their IVF.
Remember that no matter your financial situation, you likely have options to pay for your treatment. Ask your doctor and insurance provider to help you consider these options. There might be a solution that you have not thought of. When it comes to fulfilling your parenthood goals, uncovering every possibility is certainly worth it.