Infertility Support Group

In vitro fertilization is one of the most common and utilized ways of treating conception problems. This support group is dedicated to those beginning their journey with IVF and needing support. Join the community and share your experiences, advice, and story with people going through similar challenges starting a family.

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is IVF covered by insurance?

deleted_user
deleted_user
hi ladies....yall are probably tired of me by now, i only joined yesterday i just have so many questions....

my ob/gyn told me that most fertility treatments, outside of clomid, is not covered by insurance....i have been reading on here that insurance may cover it, or part of it...is this true....if so, i would like to know the steps in finding out what to do to start....thanks again
deleted_user
deleted_user
Our insurance doesn't cover any fertility treatments. I would suggest calling your insurance company and ask what they cover. You may be able to also Google your insurance company to see what they cover. Good Luck.
deleted_user
deleted_user
Ours covered 1 IVF but no IUI's. Which is strange since the IUI's are so much cheaper. But call your current insurance provider and they'll tell you (or check your insurance paperwork). Remember that your employeer is responsible for what is or is not covered under your insurance. There are also states that mandate by law infertility treatments must be covered. I know MA is one of those states.
deleted_user
deleted_user
A few states mandate coverage. I live in AR and they have to give you 15k towards IVF.HTH!
deleted_user
deleted_user
What is covered depends on not only what state you live in but also what state the insurance policy is written out. It also depends on what kind of an organization it is and the size of the company. Have you spoken with anyone at your insurance company yet?

IVF coverage is mandated in MA and a only few other states (and unfortunatley I do mean just a few).
deleted_user
deleted_user
I live and California and my insurance covers everything except IVF, But it will cover the meds. which helps out alot.
turtlegirl
turtlegirl
It took me months to get an any answers from my insurance company and we are still waiting from my husband's. He works in MA, but his HR department didn't have a clue about what was covered.
It is a lot of phone calls and bugging people. I recommend that you get a name, number and email of one person at your insurance company so you have someone you know you can go to.
deleted_user
deleted_user
every insurance company is diff. I have aetna ppo but aetna with hmo doesnt cover it. I work with a girl who in my same office has keystone insurance whcih pays doesnt pay. My aetna has a lifetime 25000 max for any treatments, I feel lucky. My first IVF they paid out only 6500 so I still have alot more to use up
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