Buying Supplemental Health Insurance for Infertility & IVF

Couples will quickly find they can more easily purchase supplemental health insurance to cover the intended outcomes of infertility treatments such as In Vitro Fertilization (IVF).

You can make bringing home a baby much more affordable by buying two policies (short-term disability and hospital indemnity) before your next cycle. Once you conceive, it will be too late!

Supplemental policies do not work the same way as primary health insurance. They fill gaps in the coverage such as lost income and unreimbursed medical expenses after hospital stays.

Learn how these two supplemental health insurance policies work to lower the out-of-pocket costs for couples using artificial reproductive technologies to become pregnant.

Purchasing Supplemental Disability Insurance

Short-term disability is the first form of supplemental health insurance for women undergoing infertility treatments – including In Vitro Fertilization. This coverage fills the lost income gap found in all primary policies.

  • The benefits for outcomes are far better than for treatments
  • Buying at work is preferred (if you have the opportunity)

Primary health insurance does not replace income when mom’s medical condition prevents her from working. However, this form of supplemental coverage does – provided you sign up before you have a pre-existing condition.


This form of supplemental health insurance is unlikely to cover IVF or any other infertility treatments – as some primary plans do. However, it is still critical for you to purchase a policy before your next cycle to address the intended outcome.

Short-term disability only pays for medically necessary procedures that are not pre-existing conditions that prevent you from working. However, couples utilizing artificial reproductive technologies frequently run afoul of all three exceptions.

  1. Infertility therapies do not fit the medically necessary policy definition
  2. Couples looking to cover IVF have a pre-existing condition
  3. Patients remain physically able to work


This form of supplemental health insurance addresses a common problem facing couples after their infertility or IVF procedures work.  An all-too-frequent issue is lost income during unpaid maternity leave.

Short-term disability can replace a portion of your income (up to 70%) for these typical pregnancy-related reasons women must stop working.

  • Bed rest for high-risk pregnancy complications before mom’s due date, which could last for months – particularly for women carrying twins or triplets resulting from multiple embryo transfers
  • Recovery from labor and delivery (available only through plans bought at the worksite via voluntary employee benefit programs)
    • Vaginal birth: 6 weeks
    • C-Section surgery: 8 weeks
  • Postpartum medical disorders that could delay the mother’s return to work such as excessive bleeding, infections, or childbirth injuries

Make sure that you purchase short-term disability before conception (right now). Any new policy will exclude a pre-existing pregnancy for twelve months. Also, ask at work first to get coverage for healthy childbirth recovery.

Request a short-term disability quote (Sponsored Link) and connect with an agent licensed in your state. Apply for a new policy before your next cycle to cover the intended outcome of your infertility treatment: pregnancy-related medical conditions that cause lost income.

Buying Supplemental Hospital Insurance

Hospital indemnity is the second form of supplemental health insurance for couples undergoing infertility treatments such as In Vitro Fertilization. This coverage fills the holes associated with the unreimbursed medical expenses of confinement when you deliver your baby.

  1. The benefits for outcomes are far better than for treatments
  2. Buying at work is preferred (if you have the opportunity)
  3. Individual policies covering pregnancy are scarce


This form of supplemental health insurance addresses a second typical set of results when infertility and IVF treatments succeed. Mom and her infant(s) spend time confined to a hospital.

Hospital indemnity insurance makes claim payments directly to you when a covered person is confined for a valid medical reason. In this case, at least four scenarios come to mind for couples who buy a parent/child policy before conception.

  1. Mom requires confinement for complications before birth
  2. Mother checks into the ward for labor and delivery
  3. Her infant begins life in the Neo-Natal Intensive Care Unit (NICU)
  4. Twins or triplets deliver pre-term and require specialized NICU care

Primary medical insurance contains four cost-sharing features that can leave patients with surprisingly large bills after confinement.

  1. Deductible
  2. Copayments
  3. Coinsurance
  4. Out-of-network balance bills

Couples undergoing multiple embryo transfers and or taking fertility medications face the most significant exposure to surprise balance bills. Twin and triplet pregnancies are often high-risk, requiring specialized care from out-of-network specialists.

Request an online health insurance quote. (Sponsored Link) An agent licensed in your home state can help you purchase a hospital indemnity policy as well. As before, make sure that you understand three key concepts about this coverage, and start before conception.


This form of supplemental health insurance is also unlikely to cover any infertility treatments – including IVF for the same reasons: pre-existing conditions and medical necessity. Expect a hospital indemnity policy to deny claims for these procedures.

  • Fertility drugs
  • Intrauterine Insemination (IUI)
  • In Vitro Fertilization (IVF)
  • Intracytoplasmic Sperm Injection (ICSI)
  • Gamete Intrafallopian Transfer (GIFT)
  • Zygote Intrafallopian Transfer (ZIFT)
  • Donor eggs and embryos
  • Gestational surrogacy
  • Pre-implantation Genetic Diagnosis (PGD)

However, many hospital indemnity plans contain additional features that could help pay for related treatments directly when medically necessary – after satisfying the pre-existing condition exclusion. Many childless couples have underlying medical issues that could be the root cause of their infertility.

  • Wellness: blood tests that measure glucose levels (diabetes)
  • Outpatient surgery: for gynecological procedures
    • Dilation & Curettage (D&C)
    • Endometrial ablation
    • Lysis of adhesions
  • Diagnostic tests: for gynecological issues
    • Cervical biopsy
    • Cone biopsy
    • Endometrial biopsy
    • Hysteroscopy
    • Loop Electrosurgical Excisional Procedure (LEEP)
  • Doctor visits: for any reason