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Paying for Fertility Treatment in Idaho
There’s no getting around it—fertility treatments can be expensive! According to the American Society for Reproductive Medicine, the average cost for an IVF cycle is $12,400. Other fertility treatments, such as fertility meds, IUI, or ICSI can also add cost quickly. Plus, it’s important to recognize that more than one cycle of treatment is often necessary.
Before you begin your fertility treatment, make sure you have a clear understanding of what will be your responsibility regarding cost. First, ask a financial professional at your fertility clinic if you will be required to pay in advance and what payment methods are accepted. Also inquire about other costs you may not think of, such as for screening tests, and then later for embryo freezing and storage.
Infertility Insurance in Idaho
Currently, there are only 15 states that have a mandate in place that require insurance companies to cover infertility treatments, or to provide coverage options for fertility treatments. Unfortunately for Idaho residents, the state of Idaho does not have a mandate in place for fertility treatment coverage.
However, some private plans may still provide some coverage for fertility treatments, or, more commonly, for diagnostic fertility procedures or lab work. Before you begin fertility treatment, it is helpful to check in with a representative from your insurance plan. That way, you can find out what exactly, if anything, will be covered and what you need to do to get reimbursed.
Options of paying for fertility treatment
One option for paying for fertility treatment is to see if your fertility clinic offers payment plans, which can allow you to split the total cost into more-feasible monthly payments. You may also want to see if you qualify for a special credit card that covers medical procedures, a personal loan through a bank, or you can even borrow money from family or friends.
The IVFAdvantage program can also help you finance fertility treatments. This program includes up to two fresh IVF cycles and two frozen embryo transfer cycles. With this program, you can save up to 40% of the cost of each individual cycle. If you are paying cash for your treatment, and a fertility doctor recommends you as a candidate for IVF, you can qualify for this program. For more information on what’s included, and to see if your fertility clinic participates, visit IVFAdvantage.com.