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Ask the Insurer

Despite research that has shown insurance mandates for fertility treatments can lower costs and reduce the number of pregnancies with multiples, there are only 15 states in the United States that have passed laws requiring some level of infertility coverage. In addition, each state's requirements are different.

If you are exploring fertility treatment options, make sure you know what your insurance will or will not cover. Talk to the fertility clinic staff, who will often help walk you through questions with the insurance company. And ask the following questions:

  • Does my state mandate infertility insurance coverage?
  • According to my policy, do I need a referral before I see a fertility doctor?
  • Does my insurance include diagnostic infertility coverage, such as office visits, lab work or a hysterosalpingogram?
  • Does my policy offer coverage for any of the following treatments: fertility drugs, in vitro fertilization (IVF), intrauterine insemination (IUI), embryo freezing, embryo storage
  • Which fertility drugs are covered by my insurance plan? Are there any exclusions?
  • Do I have to have prior authorization before undergoing a particular fertility treatment?
  • What is my annual or lifetime maximum benefit for infertility?
  • If my policy does not cover fertility treatment, will it cover any of the office visits, lab work or ultrasounds for a non-covered IVF or IUI cycle?

For more information on insurance coverage for infertility and to find out which states mandate coverage, read: Insurance Coverage for Fertility Treatment.

Keep in mind that if you do not have insurance coverage for fertility treatment, there are financing options and multi-cycle savings plans available through programs like IVFAdvantage! Click here to learn more about saving money and making low monthly payments to afford IVF!

Dr. David Keenan of Atlanta Center for Reproductive Medicine explains ways to reduce the risk of multiples during fertility treatment. Certainly having infertility insurance coverage of single embryo transfers would significantly reduce risks and increase patient knowledge on the benefits of transferring just one embryo:

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