If facing financial constraints are the primary barrier to growing your family, this article is for you.
Health Insurance Coverage for Fertility Treatments & Fertility Insurance Coverage Laws
Find out what fertility treatments, if any, are covered through your insurance. Fertility insurance is not usually a separate health insurance policy, but is covered under health care plans offered by many health insurers. However, not all health insurers cover fertility treatments, and even insurance policies that cover fertility treatments have limits regarding the number of treatments covered, the extent of costs covered, or only provide coverage as to certain types of procedures (treatment vs. diagnostic).
Fertility Treatment Insurance Coverage By State
Some states, including New York, New Hampshire, Vermont, and Massachusetts, have a fertility mandate requiring health care policies to provide a certain amount of coverage for fertility treatments. You can explore your state's fertility insurance coverage laws here: RESOLVE Insurance Coverage By State.
As of April 2021, 19 states have passed fertility insurance coverage laws,
13 of those laws include IVF coverage, and
11 states have fertility preservation laws for iatrogenic (medically-induced) infertility.
Independent Fertility Insurance Coverage
Progyny provides benefit packages to employers who offer assisted reproductive coverage to their employees. Progyny provides coverage only for fertility treatments. Progyny focuses on outcome as opposed to costs, providing their members access to the most effective fertility and assisted reproductive technologies without a requirement that less expensive treatments failed to work first.
Similar to Progyny, WINFertility provides family-building benefit solutions to employers, health plans, and individual patients.
Fertility Grants, Fertility Loans, and Assisted Reproductive Scholarships
Expenses for diagnostic tests, fertility treatments, and other assisted reproductive technologies are only part of the equation for couples growing their families through assisted reproduction. Couples or individuals requiring the assistance of an egg donor, sperm donor, or gestational surrogate will incur additional costs including agency matching fees, legal fees, and reimbursement and compensation paid to the donor or surrogate.
For more information about the process of pursuing egg donation, sperm donation, and surrogacy:
Gena Jaffe, founder of connecting rainbows and mom through reciprocal IVF, compiled a list of resources for same sex couples looking for financial assistance while growing their family through assisted reproduction. This list is included below and linked here: Financial Resources: Grants & Loans to Help Support Your Journey
For additional grants, loans, and charities offering assistance to anyone growing their family through assisted reproduction or adoption, please see: