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Insurance Participation

Cost of infertility treatment
Like success rates, the cost for infertility treatment varies widely between clinics. The best way to assess your ultimate cost is to ask for a copy of each clinic’s itemized charges by procedure. It is important to determine if there are any additional charges not included in the fee schedule, such as hospital charges, drug costs, and testing. Although the cost of treatment is important, the outcome is more important. A good comparison to use is the cost versus take-home baby rate for your recommended procedure.

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Insurance coverage
Insurance company coverage for fertility treatment varies widely based on state of residence, on employment, and on type of insurance benefits available. Therefore, the most important question is: What benefits do I have for infertility? Don't assume that because the fertility center participates in your insurance plan that you have coverage.

Most insurance companies have hundreds of plans to offer employers, each with different benefits. Couples should investigate their coverage before choosing a physician or center based solely on insurance participation. Many centers offer the service of investigating insurance benefits for you, or you can check with your employer’s human resources department. Keep this in mind when your employer offers a choice of health care plans during enrollment.