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Dear Patient Care Advocates: Why Doesn't My Insurance Cover Gender Selection?

Dear Patient Care Advocates:

My wife and I live in a state with mandated insurance coverage for IVF. We were looking into gender selection to have a baby girl and were told insurance wouldn’t cover our IVF cycle. Why do we have to pay out of pocket for IVF when we live in a state with a mandate? Am I missing something?

Glen in New Jersey


Dear Glen,

Great question! You wouldn’t believe how often people call in with this one. States with infertility insurance coverage mandates may require that fertility treatment is covered, however, only if it is deemed necessary treatment. In the case of gender selection with IVF and PGD (the only proven and currently practiced method of gender selection in the United States), it is considered an elective procedure. Therefore, the IVF is not covered by insurance. In simpler terms, if you are doing IVF for a reason other than infertility, your insurance has the right to deny coverage. Also, PGD is almost never covered by insurance, so that cost would be out of pocket as well.

The average cost of IVF is about $12,000 per cycle and the cost of PGD is often around $5,000 each time a batch of embryos is biopsied. Of course, these numbers will vary depending on your location and the clinic you choose to work with.

Our Patient Care team can help you connect with a doctor in your area that specializes in gender selection. We can help you figure out the best option for you- based on your location, costs in the area, and convenience. Give us a call at 1-855-955-BABY (2229) and check out for more information on Family Balancing!

Baby Dust,
Submit your question to the Patient Care Advocates by emailing me!

For more information on PGD for Gender Selection, check out this video where Dr. Dan Potter of HRC Fertility explains the process of sex selection:

Click image to play.

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