Tricks for Getting Insurance to Cover IVF

Learn how to make getting pregnant via IVF more affordable using insurance.

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

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


A couple’s existing healthcare plan is often the first place to turn for help paying for IVF. However, ask the question directly to the company issuing the plan, rather than doing an internet search.

If your existing carrier does not pay for the treatments hope is not lost, but the odds of finding alternatives are low. Rather than search by carrier name, find other approaches to narrow down the list.


Supplemental health insurance may pay claims 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.


Expense forecasting and budgeting are critical financial planning tools every family should use. Couples trying to pay for In Vitro Fertilization out of pocket can benefit from a detailed cost breakdown.

By breaking down costs, couples can make more informed choices about optional treatments, that improve the odds of conception.


The average cost of vasectomy reversal without insurance ranges from $5,000 to $20,000 depending upon the type of operation your doctor recommends. That is a large amount of money.

The amount you spend varies some by state, but other related state-based regulations may provide assistance in unexpected areas. Be prepared.


One government agency provides the greatest level of help in paying for infertility treatments. The Internal Revenue Service allows couples to deduct unreimbursed medical expenses from their taxes using Schedule A and through Flexible Spending Accounts.

Both approaches have pros and cons. Each family should consider their unique financial circumstances and projected infertility spending.


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.


Almost everyone needs help paying for In Vitro Fertilization out-of-pocket. One cycle is expensive enough. When a couple needs multiple cycles to conceive, finances get very tight.

Fortunately, there are resources that can help with treatment costs. Charitable organizations provide grants, when funds are available. Find alternatives with better odds of success.