Health insurance companies shy away from covering infertility treatments because the economics do not work in their favor. Multiple births make the problem untenable.

Sixteen states mandates require certain plans to include artificial reproductive techniques. Learn whether your provider must comply with the requirements.


Most insurance companies choose not to cover infertility treatments. Companies consider the procedures elective, and not medically necessary. However, many tests that your doctor may perform could be related to a medically necessary procedure.

There is a variety of female and male factor infertility causes. Some of these causes might be considered as medically necessary.


Endometriosis is a common medical condition that often leads to infertility in women. Short-term disability companies offer programs at work that make great sense for any women struggling with the condition.

Endometriosis can lead to intermittent periods of job loss, making a short-term disability policy a great fit. The policy also comes in handy when women overcome their infertility.


Couples often turns to financing to help pay for expensive infertility procedures when their insurance company does not provide an infertility treatment plan. They often need assistance repaying the loans because of lost income during maternity leave.

Secure your income prior to taking a loan and becoming pregnant. Learn about a common employee benefits program that provides interest-free loans – even for patients with bad credit.


Success rates are a huge part of the overall cost equation for any infertility treatment. There is the price for each cycle, and then there is the number of cycles needed to conceive. Keep this in mind when considering how to pay for Intrauterine Insemination (IUI). Each cycle may cost more, but fewer may be needed.

Projected success rates also play into whether a supplemental health insurance purchase makes sense; the higher the odds, the greater the payoff.


Artificial insemination is one of the most commonly used first-line infertility treatments. The costs are low compared to the most advanced alternatives, so paying for the procedure is not a huge concern for those who conceive.

However, anyone thinking about getting pregnant should consider more than just the out of pocket costs on that one treatments. Your opportunity to purchase important coverage for the intended consequence evaporates with you big fat positive.


Supplemental health insurance companies provide policies that may claims payments when infertility treatments succeed. Most companies will not provide direct coverage for infertility, but indirect options abound.

Two policies can help. Short-term disability replaces income when mom is unable to work. Hospital indemnity covers her hospitalization, and addresses premature birth risks.


Finding insurance that covers infertility treatments can seem like wandering through a maze. Each time you turn a corner, there are just more corners, with no end in sight. The task is very hard, but not impossible.

Navigating a maze is much easier when you see the whole picture. Learn how state insurance mandates work, and how they apply to your goal.