There are countless families in the world who are desperately trying to have a baby, but struggle for any number of reasons. One of the increasingly more common reasons in the modern family is the age of the mother when its time to conceive. Older mothers have had an opportunity to build their career and experience the world, but unfortunately their eggs have aged along with them. Younger women have the opportunity to help build the family they want while making a bit of money for the time and effort spent.
Become an Egg Donor
Becoming an egg donor is not often mentioned in social circles, but donating eggs to friends, family or strangers is becoming more common as science advances and more families start at later ages. Women who are unable to use their own eggs or struggle getting pregnant sometimes turn to younger women whose eggs are younger and healthier for a donation. The donated eggs are then fertilized with the partner’s sperm and implanted to begin a pregnancy.
The Egg Donation Process
Donating eggs is more complicated than donating sperm. Women release a egg from their ovary once every menstrual cycle, usually once a month. That egg travels to the uterus, waits to become fertilized and then leaves the body if it is not fertilized. Unlike men who can technically produce sperm until they die, women are born with a set number of eggs and those eggs age and are used overtime. At a point after the thirties, the likelihood of releasing a healthy egg that is ready to be fertilized and grow diminishes. This is why these women need your younger, healthier eggs.
To donate eggs, you would contact an egg donation agency and submit a profile. When a family who is in need of eggs decides you’re the ideal candidate you will be notified and the process will begin. You will likely be paid a portion of your fee upfront. (The total fee can easily be upwards of $6000.)
You will be given hormone shots to encourage your body to release multiple eggs at once in the upcoming cycle. When you ovulate, doctors will carefully extract the eggs using a long needle and your job will be finished. Once the eggs have been harvested and the process is complete, you will be paid the remainder of your fee and you can enjoy that money knowing you’ve helped to make a family’s dream come true.
In vitro fertilization (IVF) is a final resort for many couples who struggle with infertility. As infertility becomes more widely discussed and more options present themselves to couples, insurance companies have begun to offer IVF coverage. That coverage varies by company and by guidelines and laws set forth by the actual state. In many areas legislation is still being developed, but IVF insurance is becoming more common and easier to obtain.
Find Your State’s Guidelines
The first step in determining if you can get IVF coverage is to see what your state requires from insurance companies. States have different requirements, if they have any at all. For example in Texas, insurance companies must offer it, but not necessarily include IVF with maternity care. To qualify for IVF insurance, you must have struggled with documented infertility for five or more years.
In Arkansas, by comparison, you simply must try other fertility methods first, but there is no timeline on infertility to qualify. However, in Arkansas, HMOs are exempt from laws requiring IVF offerings. To find what your state covers, contact your state’s Insurance Commissioner’s Office.
Review Your Current Plan
Read the fine print of your current plan to see if IVF is already included or if it is available. Call the company to discuss the possibly and see what the conditions would be to be approved for coverage. Speak with as many people as possible about your options to be sure you fully understand the program, if it is available, and what you can do to qualify.
Apply for IVF Insurance
If you are not already covered through your maternity program and IVF insurance is available, apply for separate IVF insurance from the same family of companies. This would be a rider on your current policy.
Seek Out Alternatives
If you are not approved or your state does not require companies to offer IVF coverage, seek out alternatives. IVF is expensive, and even a small plan can help cut costs tremendously. There are many companies that offer insurance coverage of IVF treatments. Do your research and apply for reputable programs. IVF insurance is worth the effort – not only does it give you peace of mind, but leaves a bit of money in your pocket as well.