How to Get Insurance for IVF Treatments

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.

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