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Paying for Fertility Treatment in North Dakota
There's no getting around it--fertility treatments can be expensive! In fact, according to the American Society for Reproductive Medicine, the average cost for one cycle of IVF is over $12,000. Plus, the cost grows when you realize that more than one cycle is often necessary.
Before you begin a fertility treatment, make sure you clarify the costs with a financial rep from your fertility clinic. That way, you can be sure which costs will be included and what will be additional. You can also clarify things like payment schedule and when payment is needed.
Infertility Insurance in North Dakota
There are only 15 states that have mandates in place regarding infertility insurance. Unfortunately, North Dakota is one of the states that has no laws on the books regarding infertility insurance.
However, even though there is no state law regulating insurance coverage for fertility treatments, it's important to check first with a rep from your insurance plan. Some private plans may offer coverage for diagnostics or treatment, so you don't want to miss out on any financial help by assuming nothing will be covered.
Paying for Fertility Treatment
So how will you shoulder the costs of these fertility treatments? You can inquire about payment plans at your fertility clinic--some may be willing to offer payment schedules. Otherwise, you can look into a personal loan, borrowing from family or friends, or applying for special credit cards for medical purposes.
There is also another option out there called the IVFAdvantage program, which helps you finance the cost of IVF. How does it work? You'll buy an IVF package, which includes up to two fresh plus two frozen embryo transfers. You'll pay a set price for this, potentially resulting in savings of up to 40% off the cost of paying for each cycle individually. You can be eligible for this program if you're a cash-paying patient whose fertility doctor recommended IVF.