As we talked about in our section on the cost of IVF, it is an expensive process. Unfortunately, the cost is prohibitive for some couples. Currently there are 15 states that mandate employers (of over 25 people) to offer coverage on their health plan for fertility diagnosis or treatments. They are: Arkansas, California, Connecticut, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas, and West Virginia. Of these states, California, Louisiana and New York require coverage of fertility treatments, but specifically exclude IVF. Unfortunately, in states that are not mandated to offer coverage, insurance for IVF treatments is hard to find and plans can be expensive and of a limited scope. Whether you live or work in one of these states and are covered under an employer’s plan, or are seeking to purchase supplemental coverage on your own, we want to offer some tips and things to look out for as you navigate these murky waters.

The most important thing you can do when starting the IVF process is BE INFORMED! Do your homework. This is the most important decision you are likely to have made at this point in your life (and one of the most expensive!). There is money to be found out there to help you if you need it. Don’t be afraid to dig, but protect yourself in the process.
We hope you find this information helpful. Remember, talk to your fertility specialist and contact your insurance company to discuss your options.