Supplemental health insurance that covers In Vitro Fertilization (IVF) does so indirectly. Most traditional healthcare plans will not directly cover the procedure.

Supplemental health insurance for IVF covers the hoped-for result: the pregnancy. It makes a smart purchase for couples with and without direct healthcare coverage – because holes always remain, and supplemental policies are easier to obtain. Many couples find that secondary coverage is their only option.

  • How supplemental programs work for IVF
  • Paying for In Vitro Fertilization without coverage
  • IVF treatments insurers may pay

Supplemental Health Insurance That Covers IVF

Supplemental health insurance that covers IVF works by reimbursing some of your expenses when you conceive and deliver a perfectly healthy baby. This is your objective after all, right? It works in the exact same manner as it does to cover other infertility treatments, but with an important twist.

The financial stakes are often much higher, the information needed to make smart choices is better, and there is a greater diversity of options. Supplemental health insurance that covers IVF may come with different names. Think creatively to pay for your treatments!

Bigger Financial Stakes

Couples considering IVF are often at the end-stage of their journey trying to conceive. They may have tried many other less costly infertility treatments only to come up empty. Many exhausted savings in the process. The procedure is very costly and coverage options are even scarcer. Many couples need to find programs to finance IVF costs in order to have the capital needed to begin treatments.

Lost Income

Remember that success often translates into lost income for mom during her maternity leave. Most families face an unpaid maternity leave. Short-term disability for IVF reimburses a portion of mom’s income if she needs bed rest, and while recovering from childbirth. Do not take out a loan to finance your next cycle without securing mom’s income first.

Purchasing income protection in advance of a planned disability is the first way that supplemental health insurance that covers IVF works. Make certain you purchase your policy before beginning your next cycle. Coverage must begin prior to conception.

Multiple Births

In Vitro Fertilization is often associated with multiple pregnancies. Your doctor may insert several fertilized eggs to improve your odds of conception. Multiple pregnancies are often high-risk, and deliver pre-term. Your infant(s) may spend time in the neonatal intensive care unit (NICU), and you may be left with extra medical bills.

Supplemental hospital indemnity is an ideal health plan for couples in this situation: it pays benefits for normal delivery, complications, premature birth, with an added bonus for multiples born pre-term. Any couple should consider purchasing a policy before starting their next cycle.

Once you become pregnant, it will be too late to purchase a policy. Purchasing coverage that addresses the exposure to twins or triplets confined to a NICU is the second way that supplemental health insurance for IVF works.

Finding Direct IVF Health Coverage

Supplemental health insurance that covers IVF works when mom gets pregnant. Nobody is certain how many cycles are needed to conceive, or whether conception will even occur. Finding direct coverage will be very difficult, but worth the effort if found. Most carriers will deny your request to pay for any artificial reproductive treatments unless compelled by law. You can find some strategies here.

Getting insurance that covers infertility is more involved than just looking up the laws in the state where you live or researching named companies that cover IVF. These laws mostly regulate group health plans issued in that state. Know your employer headquarter state. Learn how to find employers subject to mandates. Some will succeed, but most will not.

IVF Mandate States

There are nine IVF mandatory states. The mandates apply to certain groups. Mandates apply mostly to group health plans issued in the state. Large multiple state employers headquartered in these states must offer the same options to employees in all states.

Six states specifically exclude In Vitro Fertilization, but may require payments for supporting treatments.

Paying for IVF without Insurance

The vast majority of site visitors may find that have to pay without direct coverage. Purchasing supplemental health insurance that covers IVF adds to your costs of getting pregnant. Make these premiums more affordable by reducing what you pay upfront. If that describes your situation, you may find some assistance in several areas.

IVF Refunds

If you are unable to find a medical plan that covers In Vitro Fertilization, you may need to utilize a refund plan. These programs provide you an opportunity to purchase multiple cycles at a discount, and receive most or all of your money back if you fail to take home a baby. There are two hidden advantages of refund plans. You can lower costs, and provide financial security.

IVF Costs and Success Rates

Supplemental health insurance that covers IVF works best when success rates are high. The reason should be obvious by now. The policies only help offset costs only when mom becomes pregnant. Sometimes you have to make an informed bet. Supplemental programs are a great way to play the odds, but you have to be able to accurately project results.

Find IVF cost breakdowns. There are fees for the implantation, plus fertility drugs, testing, monitoring, and more. The biggest variable will be the number of cycles needed to get pregnant and bring home a baby. Odds go down as your age goes up. Keep more of your money by leveraging the tax code.

Factor in success rates to project what you might spend and make difficult choices about how to spread your premium dollars.

Intracytoplasmic Sperm Injection (IUI) is an additional procedures many couples utilize in conjunction with IVF to improve the odds of conception. Your embryologist will take a single sperm and inject it directly into an egg. Your medical plan may not pay for this procedure.

What Insurance may pay for IVF?

Supplemental health insurance that covers IVF works for couples that have direct coverage too. Traditional healthcare plans do not protect mom’s income, and leave many unreimbursed medical expenses. Learn what your traditional plan may cover to budget for the additional premiums for your supplemental policies.

If you are one of the lucky few that have healthcare benefits that cover treatments, you will find that there is a great deal of inconsistency. Each state mandate differs in terms of qualifying criteria, waiting periods, number of cycles supported, and more. Below are some of the issues you may encounter, along with some alternatives to explore.


Your traditional healthcare plan may cover the cost of medications. Certain mandates may cover infertility medications. If the drug treats an underlying health condition, then all plans may cover the medication. Be sure to get approvals before beginning a cycle.


Most health plans will not provide benefits for genetic testing. However, that does not mean you cannot make a compelling business case. Learn how to cover pre-implantation genetic diagnosis.

Most plans may cover other forms of testing needed to determine the underlying medical cause of infertility. Work with your clinics financial advisor to submit the appropriate codes to improve the chances that testing is included.


Healthcare benefits for IVF surrogacy has recently improved dramatically. Previously it was difficult to find a plan that would cover the resulting pregnancy. Maternity benefits under Obamacare provide two new angles: maternity, hospitalization, and newborn care are essential health benefits, and the surrogate may qualify for government premium subsidies. Many surrogates may have lower incomes, which allow them to qualify for a larger government contribution.


Couples sometimes choose to leave the country to find lower cost options. Book your trip with a rewards credit card, and get free travel insurance that covers trip cancellations. Read your healthcare plan documents carefully to verify that international care is included before traveling out of the country.