Where to Get Help Paying for Fertility Treatments?

Where to Get Help Paying for Fertility Treatments?

Infertility problems

Infertility is actually a very common problem today. Numerous couples face infertility issues. Infertility brings with it dismay and frustration for the couple. Knowing that they can’t have a baby can be heartbreaking and emotionally overwhelming. Many couples are ready to go to any lengths to get pregnant and thus choose fertility procedures. Claim Your 20 Free Pregnancy Tests – Click Here

Cost of fertility treatments

While fertility medicines are pretty inexpensive and affordable, there are other treatments for infertility that can be very expensive. Not many can actually afford them. For example, the cost of IUI or Intrauterine Insemination is $350 and the most expensive treatment is IVF or in vitro fertilization. This can cost you anywhere between $7500 and $15000 depending on several factors.

If you need an egg donor or a sperm donor, it will cost more. If you need sperm as well as egg donors, it will cost even more. IVF is an ideal choice despite the cost because it has the highest success rate among all procedures. However, the procedure comes with no guarantee. It is usually the last resort after medications and smaller treatments fail.

In Vitro Fertilization

So if you have to resort to IVF or any other fertility treatment, how will you pay for it? Surely not many have so much money at their disposal to spend. Fertility treatments can indeed make you break the bank and sometimes even that is not enough.

There are couples that gather all their savings of years and are yet not able to meet the financial requirements of fertility treatments. However, the good news is that there are a few ways in which you could overcome your financial troubles for fertility.

Check with your insurance company

The first and foremost thing to do would be to check if your insurance company covers fertility treatments. Every health insurance policy is different. There are many that will cover cover you for the tests and the diagnosis and there are only a few that will cover the treatment too. Many do not cover fertility related issues at all. If your insurance policy covers fertility treatments, then you are in luck and you can go ahead with the procedure without hesitation.

Consider changing your location

If your company does not cover the costs of the treatment, one way out is to change your location. Out of the fifty states in the United States, only fourteen states have laws in which insurance companies must cover fertility treatments.

These states are West Virginia, Texas, Rhode Island, Ohio, New York, New Jersey, Montana, Massachusetts, Maryland, Illinois, Hawaii, Connecticut, California, and Arkansas. You might consider relocating to one of these places if you can see no other way out.

Participate in infertility studies

Another, more simple way, is to participate in infertility studies. There are a few research studies or clinical trials that you and your partners could become a part of. These are for research and you could help them by providing your samples.

In return, you will be diagnosed with the reason behind your problems getting pregnant and the possible treatments. Most researchers also offer to pay for the treatment itself. This can be very beneficial for you and you thus not skip such an opportunity.

Financing and loans

There are also a few fertility clinics and doctors who offer to finance you so that you can afford the treatments. If you can find such a doctor, it’d be great for you and paying for the treatment will no more be a burden. If everything fails, consider taking a personal loan for the treatment.

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Dr. Prabha Sahgal, MD
Dr. Prabha Sahgal MD, is board certified in obstetrics and gynecology and subspecialty board certified in reproductive endocrinology and infertility. Dr. Sahgal holds a B.S. degree from MIT in molecular biology and currently serves on the ConceiveEasy board of directors.