Hawaii Law Mandating IVF Coverage

In Vitro Fertilization (IVF) is often the last line of treatment for couples trying to conceive.  Many other treatments including fertility drugs, artificial insemination, and more are not subject to this regulation.

In addition the Hawaii mandate stipulates that a patient must have five years of unexplained infertility, or prove that there is an underlying medical condition.  That poses a difficult choice for couples trying to conceive:

• Should we pay for other infertility treatments ourselves right away?
• Should we wait five years and go straight for IVF even though other treatments may work?

For those who don't want to wait consider this:

• Cut your infertility costs by leveraging the tax code and flexible spending accounts. 
• Use supplemental health insurance to create income from your normal delivery to offset your infertility treatment costs, and get additional security for complications.