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Paying for Fertility Treatment in Hartford and New Haven, CT

Many fertility patients consider finances a big source of stress. And it’s no wonder—fertility treatments can be expensive! In fact, according to the American Society for Reproductive Medicine, the average cost for just one cycle of IVF is $12,000.

So how can you afford these treatments? Many patients look toward a combination of insurance coverage—if available—and types of loans.

Infertility Insurance in Connecticut

Currently, there are only 15 states that have an infertility insurance mandate in place. Thankfully for Hartford and New Haven County residents, Connecticut is one of them. Just be sure you understand what the law covers first!

According to Connecticut law, individual and group insurers must provide coverage for infertility—which is defined as someone unable to conceive or sustain a pregnancy during a one-year period— for people under age 40.

There are a few maximums that this coverage allows: it will only cover four cycles of ovulation induction, three cycles of intrauterine insemination, and two cycles of IVF, GIFT, or ZIFT with no more than two embryos per transfer. Also, coverage for IVF, GIFT, or ZIFT is only allowed if other, less expensive treatments have been unsuccessful—unless a
medical professional determines they would not be likely to work.

Other Ways to Pay for Treatment

Besides looking for insurance coverage, people can finance their fertility treatments through personal loans, borrowing money from friends or family, or signing up for medical credit cards.

Another option is the IVFAdvantage program. This is a discount program that helps you finance the cost of IVF cycles by paying a reduced fee up front, so you can have additional attempts if the first was not successful. Up to two fresh IVF cycles and two frozen embryo cycles are included in the program—this gives a savings of up to 40 percent off the cost of paying for each individually. Anyone can be eligible for this program as long as they are cash paying and a fertility doctor has recommended IVF.

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