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Paying for Fertility Treatment in Kentucky

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Fertility treatments can be expensive, and that cost can be a major source of stress for couples beginning the process.

The American Society for Reproductive Medicine estimates that the average cost of an IVF cycle is over $12,000. While that may seem high enough on its own, it’s important to recognize that the price of successful IVF is often much higher, since more than one cycle is usually necessary.

Infertility Insurance in Kentucky

Currently, there are only 15 states that have an infertility insurance mandate in place to require insurance companies to either offer coverage or to provide coverage for infertility treatments.

Kentucky is not one of these states, though some insurance plans may choose to provide coverage on their own. Even if you don’t think your plan provides coverage, it’s important to call a rep and make sure. Some plans won’t cover ART techniques like IVF, but they may cover tests or diagnostics.

Ways to Pay for Fertility Treatment

If your insurance does not provide coverage, you’ll want to look at other options. These may include applying for a personal loan, borrowing money from friends or family, or signing up for a special medical-uses credit card.

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