11 Tips for Using Health Insurance to Cover Fertility Treatment

Dawn Davenport


Will your health insurance cover infertility treatment? What can you do to get the most coverage possible for fertility treatment?Insurance for IVF

Most people assume that their health insurance will cover treatment for any diseases or conditions they may have. This is not necessarily the case for the treatment of infertility, including insurance coverage for IVF, so patients need to carefully assess at the beginning what their insurance policy covers. These 11 tips will help.

Tips for Using Health Insurance to Cover Fertility Treatment

  1. If possible, access your policy online so that you can use the Internet search function to find coverage and possible exclusions. Search for the following terms: fertility, infertility, assisted reproduction, IVF, or in vitro fertilization.
  2. Most infertility clinics have a person on staff who is knowledgeable on insurance issues and she/he can help you understand your policy.
  3. Call your insurance company and ask if your treatment will be covered. Ask them specifically where coverage or exclusions are stated in your policy.
  4. Be aware that the cost of infertility medications makes up a substantial portion of IVF and other fertility treatment, so specifically check the prescription coverage of your policy to determine if they are covered or excluded.
  5. Ask your insurance company for a letter of predetermination of benefits before you start treatment. Get it in writing.
  6. Take careful notes of all telephone calls you have with your insurance company. Include the name of the person you spoke with, the time, and the date. Most insurance companies require that their employees also document all phone conversations. Ask for a copy of these notes to be sent to you for your records.
  7. Your insurance may be more likely to cover diagnostic procedures when done by your gynecologist rather than a reproductive endocrinologist (infertility doctor). Find out before the tests are done.
  8. Explain to your doctor what your insurance will cover so that they can choose the correct billing code for testing and treatments of underlying conditions, if applicable.
  9. Ask your employer to offer a policy that includes coverage for infertility treatment. Most companies that offer this benefit do so because they have been asked. Believe it or not, it is good business to offer coverage, and it does not result in an increase in the company’s healthcare costs. Fertility Within Reach has resources to help you prepare for this request.
  10. It may be possible to buy an insurance policy or rider for your current policy that includes insurance coverage for IVF.
  11. If you have an insurance policy that includes IVF, it will most likely have restrictions, such as age or diagnosis, and limits, such as the number of IVF cycles covered. Work closely from the beginning with your infertility clinic to maximize this coverage.

Using health insurance to cover fertility treatment

It may be possible to get health insurance coverage for fertility treatment.

For more information on using health insurance to cover IVF and other infertility treatment, I can’t recommend enough this Creating a Family Radio show with Davina Fankhauser, co-founder and President of Fertility Within Reach, and an expert on obtaining insurance benefits for fertility treatment and preservation.



Were you successful at getting your health insurance to cover all or part of your IVF or other fertility treatment?

Fist published in 2015: Updated in 2018
Image credit: House Buy Fast

28/03/2018 | by Dawn Davenport | Categories: Blog, Infertility, Infertility Blog, Infertility Resources | 3 Comments

3 Responses to 11 Tips for Using Health Insurance to Cover Fertility Treatment

  1. Avatar Annie says:

    Thanks for posting this, and putting together all this information! I was reading an article a few months ago about what insurance covers and doesn’t while looking for a new plan (https://www.ez.insure/2019/12/avoid-an-unexpected-bill/), glanced at how IVF isn’t covered…flash forward and now that’s something else I’m having to look into. Insurance is just one more thing to have to worry about, glad that there are blogs out there slogging away at explaining it.

    • Tracy Whitney Tracy Whitney says:

      Thanks for reading and for your kind words! We are so glad that IVF coverage is becoming much more commonplace. Don’t forget, your Human Resources office/staff should be a good resource for more information and explanation about plan coverage as well.

  2. Avatar phani says:

    Great blog, Thank you for sharing good information…

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