Infertility Insurance

There are several different fertility treatments available to couples but the costs is very expensive. For example, In-vitro fertilization is a very effective option but just trial of this treatment can sum up to thousands of dollars. Most likely, it will take more than one treatment to become pregnant. Also in some cases, fertility medications can cost around $1,000 a month and some assisted reproductive technology procedures cost over $4,000. Many couples can not afford to finance fertility treatments on their own. Luckily there is supplemental infertility insurance for couples that will give support to the treatments they need so no worries of going bankrupt. It usually is very affordable and can usually be taken from any existing insurance company although each policy is very different so the couple really needs to compare first before they buy one.

For the monthly premium, insurance providers will supply a plan that will cover a range of fertility treatments. These treatments usually include diagnostic fertility tests, artificial insemination, and other types of assisted reproductive technology. They may also cover diagnostic test procedures, including laparoscopic surgery. Normally, infertility insurance plans cover the most inexpensive treatment that will most likely work for the couple. They most likely will also only cover treatments for a certain number of cycles, usually between three and five. But, the use of donor eggs and donor sperm is not normally covered by infertility insurance.


There are different types of infertility insurance. First, there is standard health insurance which requires you to pay a monthly premium in exchange for specific fertility coverage. There are also refund programs. Refund programs require you to pay upfront for your fertility treatments. If the couple does not have a baby then between 70% and 100% of the money is paid back to them. The other type of infertility insurance is thru financing. The couple can take out a loan to cover the infertility procedures. If they do not have a baby, these loans do not need to be paid back in full.

Unfortunately, not every couple is able to get infertility insurance. It varies from insurer to insurer but there are certain qualifications that they to meet before being approved for infertility insurance. These qualifications usually require the couple to already hold an existing insurance policy. They may also have to be below forty years old. They may also have to be struggling with infertility problems for one to five years. Finally, the couple then must hold on to the policy usually for a year before they can use it.

After the treatments are successful, the couple is going to need additional money in order to provide for their new born. But the infertility insurance could extend support beyond this point so bankruptcy is out of the way, too.