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Paying for Fertility Treatment in Wisconsin
Fertility treatments are not cheap, and that cost—and the concern of how to pay for it—is one of the top stressors of people with infertility. According to the American Society for Reproductive Medicine, the average cost for an IVF cycle is about $12,000.
When you consider that many people need more than one cycle, the total cost can be daunting for many patients. So, how can you pay for treatment?
Infertility Insurance in Wisconsin
Insurance coverage may be a way to defray some of the fertility treatment cost—however, many plans do not cover it. Currently, there is no mandate in place that requires insurance plans in Wisconsin to either provide coverage or offer coverage for these treatments.
While there is no state mandate requiring coverage, it is still a good idea to check with a representative from your insurance plan before you begin treatment. Some plans may cover diagnostics, and others may even cover some forms of treatment. If your plan does offer some kind of coverage, be sure you are informed about what is covered and what preauthorization is necessary.
Paying for Fertility Treatments in Wisconsin
If you don’t have insurance coverage, you may then need to consider other options for paying for fertility treatments. Some people may borrow money from friends or family members, take out a personal loan, or apply for a special credit card used for medical procedures.
Another option you may want to consider is the IVFAdvantage program. This is a discount program that helps you finance the cost of IVF by paying a discounted fee for a package. This allows you to have repeated attempts if pregnancy was not successful initially. The program consists of up to two fresh IVF cycles and two frozen embryo cycles—which provides a savings of up to 40% off the cost of what you’d be paying for each one by itself. So who’s eligible? If your fertility doctor has recommended IVF, and you are a cash-paying patient, you can sign up for IVFAdvantage.