Financial issues

A typical IVF cycle costs more than $10,000, and most patients pay for it themselves. Assisted reproductive technologies require costly medications and the services of skilled personnel who use specialized medical and laboratory equipment. While many countries have national health insurance plans that cover fertility treatment, there are no federal guidelines about insurance coverage for fertility evaluation or treatment in the United States. Several states have laws that require insurance companies to offer coverage, but there are tremendous variations even among the states with laws. Insurance companies may have age requirements or other strict eligibility criteria that must be met. They may also limit the number of treatments or the kind of treatments covered, the number of treatments per year, or other aspects of fertility treatment.

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Those considering fertility care should verify eligibility and the specifics of their benefits with their human resources departments and insurance carriers before starting treatment.

Some infertility clinics offer financing packages or guarantee a child or your money back. Ask a lot of questions to be sure you understand what these plans include.

Be sure to ask up front about the costs of any procedures you are considering, and let your doctor know if you are paying for everything yourself. She may be able to work with you to develop a more cost-effective treatment plan.