Grants for IVF Treatment in California: Insurance That Covers

When seeking grants for In Vitro Fertilization (IVF) in California, it pays to go after the deepest pockets because the average per-cycle costs begin at $15,000.

Government agencies have the most resources but do not offer grants directly to individuals. Still, you will find a way to reduce costs by 38.95%.

Insurance companies have the resources but typically deny IVF claims unless compelled by law. However, a high-deductible health plan unlocks the 38.95% savings.

Charitable organizations offer assistance but lack resources because they rely on the generosity of donors. But you never know unless you apply.

Government Grants for IVF in CA

Government-sponsored IVF grants help more California couples with a higher level of financial support – if you are willing to think outside the box and follow an unusual strategy.

Financing Grants

Finance companies offer hidden IVF grants in California. We say hidden because most people will overlook the role of upfront cash in reducing treatment expenses by almost 39%.

IVF monthly payment plans do more than spread out your expenses. They help you reduce the cost of treatment in two critical ways.

  1. Allow you to take advantage of shared risk programs
  2. Help you maximize tax savings by consolidating treatment

Financing can ignite a chain reaction between the two factors that explodes the possible state and federal income tax savings we illustrate in the next section.

Income Tax Grants

The state and federal governments offer IVF grants of up to $38.95% off the cost to savvy couples who understand how to exploit the situation.

IVF is tax deductible, but to get the most money back you have to plan carefully and act before undergoing treatment not after.

Health Savings Account

A Health Savings Account (HSA) offers the most significant government-supported IVF grant reaching up to 38.95% off costs or more, as we will illustrate. An HSA allows couples to use pre-tax payroll deductions to pay for treatment providing three significant advantages over any other alternative.

  1. You avoid paying FICA payroll taxes (7.65% savings for most couples)
  2. You realize savings on the first dollar spent with no thresholds to meet
  3. You can reimburse yourself for covered expenses in the future

Consider this example for a hypothetical married couple working in California with a combined Adjusted Gross Income (AGI) of $100,000. They pay $45,000 for three cycles at $15,000 each, saving $17,527, or 38.95%.

  • Federal: 22%
  • State: 9.3%
  • FICA: 7.65%
  • Total: 38.95%

Itemized Deductions

Itemized deductions are a less valuable government-sponsored IVF grant requiring an assist from a second program to boost your refund. Consolidating expenses into one calendar year unlocks the savings.

IVF shared-risk plans combine a partial refund if no pregnancy is achieved with a commitment to pay for three discounted cycles. Completing the treatments in a calendar year helps you overcome two thresholds to maximize your tax savings.

  1. Itemized deductions must exceed the standard deduction
  2. Unreimbursed medical and dental expenses must top 7.5% of AGI

For example, our California couple with a $100,000 AGI might realize starkly different savings by condensing three cycles totaling $45,000 into one year compared to spreading them out over three.

1 Year3 Years
IVF Payments$45,000$15,000
Deductible Medical Expenses Above $7,500$39,500$9,500
Improvement Over Standard Deduction$32,400$2,400
Federal Taxes Saved @ 22%$7,128$528
California Taxes Saved @ 9.3%$3,013$49
Interim Total$10,141 once$577 thrice
Grand Total$10,141$1,731

Insurance Grants for IVF in CA

Having your health insurance cover In Vitro Fertilization is the second grant opportunity connected to deeper pockets: the large issuing companies. Having this third party pay for any treatment portion could make a significant difference for many couples.

High-Deductible Health Plans

A High-Deductible Health Plan (HDHP) is the most reliable insurance-supported grant for IVF in California because all couples can take advantage to make treatment more affordable.

A Health Savings Account (HSA) requires enrollment in an HDHP. Although the insurance may not cover treatment, you can use pre-tax contributions to pay for IVF and reduce costs by 38.95%, as noted in our previous example.

Also, an HDHP has lower premiums than traditional insurance policies, making it the perfect choice for couples trying to conceive through artificial reproductive technologies.

Supplemental Insurance

Supplemental policies are the second insurance-supported grant in California for IVF outcomes – not the treatments. The goal of transferring a fertilized embryo is to help the mom become pregnant, and coverage for this event is abundant, provided you enroll before conception.

Supplemental health insurance for IVF covers two future events the treatment attempts to accomplish and one frequently occurring.

  1. Mom’s maternity leave disability
  2. Confinement in a hospital to give birth
  3. Premature twins confined to the NICU

Insurance Mandate

When seeking a grant through insurance that covers IVF in California, it pays to understand how legal mandates work. The laws govern policies issued in the state (situs). Your residence state does not matter.

In other words, your employer’s headquarter state often determines which legal mandate applies. The laws export and import depending on your perspective.

Group policies issued in CA must adhere to its laws, and the regulations extend to employees in other states.Group plans issued in other states must follow those laws, and the regulations extend to workers in CA.

The California infertility insurance mandate requires group healthcare plans to offer coverage for the treatment of infertility, except IVF, and communicate its availability.

Blue Cross Blue Shield

For instance, Blue Cross Blue Shield (BCBS) might cover IVF in California when an employer purchases a group policy issued in another state with a relevant mandate.

(BCBS) is a national federation of thirty-five independently owned and operated insurance companies, with group plans issued subject to many different legal mandates, some requiring IVF coverage.

Covered California

Covered California never covers IVF directly because the legal mandate applies to group plans, not individual policies. However, a High-Deductible Health Plan (HDHP) will help indirectly (see above).

Apply for a Covered-California HDHP during the annual open enrollment and begin your next cycle in January. Use your HSA funds to pay for treatment or reimburse yourself in the future.

Medicaid (Medi-Cal)

Medicaid (Medi-Cal) does not cover IVF directly or indirectly. Low-income families will have to find another avenue to find help paying for treatment.

  • The legal mandate exempts Medicaid programs such as Medi-Cal
  • Medicaid rules prohibit HDHP and HSA plan designs
  • Low-income families rarely benefit from tax savings

Charitable Grants for IVF in CA

Charitable organizations sometimes have the funding to award IVF grants to one or two deserving California couples annually. However, since everyone likes free treatment, the demand typically overwhelms the scarce donor resources.

You will find this holds for regional and national charities.

California Charities

You can find several California-based charities offering IVF grants to make treatment more affordable. However, because they rely on the generosity of donors, they have limited resources and can help only a few lucky couples.

National Charities

California couples can also explore IVF grants from charitable organizations that operate nationwide. Of course, you should remember that these more prominent non-profits face the same constraints: demand exceeds donor support.

Free IVF grants from national organizations sometimes support specific groups. If you identify with one of these population segments, your qualification odds might be slightly higher.

  • Teachers
  • Healthcare workers
  • First responders
  • Low-income families

Fertility Clinics

Several fertility clinics in California offer IVF grants, perhaps financed through their marketing departments. They receive positive publicity by helping one or two couples annually while charging everyone else retail prices.