Currently, there are 14 states that do reimbursement in some form or another for infertility treatments and that number will most likely dwindle over the next decade as healthcare laws change. If you happen to live in one of those 15 states, you may find over the course of your treatments, that this coverage is very partial and barely covers much of a patients expenses.
Although the description of a “patient”, coverage and limitations varies from state-to-state, below are some examples of what is/isn’t covered and what is/isn’t considered a patient:
-2 years of more of unexplained fertility, some were 5!
– Lifetime maximums at a low $15,000
-Limits pre-existing condition to 12 months
-No coverage for IVF in some of these states, some only 1 cycle of IVF
-Maximum amount of cycles limited to 4 or less
-Some states did have higher maximum lifetime payments and better coverage
Ultimately, the cost is a large issue for many trying to conceive. Infertility is a life crisis; despite this there is still little to no coverage. Not only is there a physical and emotional toll on those trying to conceive, there is a heavy financial burden. There are few alternatives to those who cannot financially afford fertility treatments.
The below link talks about different ways to finance fertility treatments.