Does Health Insurance Cover In Vitro Fertilization (IVF)?

​In Vitro Fertilization is part of assisted reproductive technology (ART), where sperm and the mature egg cell are fertilized outside the mother’s womb, in a lab, usually in a fertility clinic. Once the egg is fertilized in a petri dish or through sperm injection in a single egg (ICSI), it will be implanted in the mother’s womb or the surrogate mother’s womb.

Infertility increases with age. Getting pregnant canh be quite difficult for women ages 35-40 years old, and IVF has become an option. You have to take note that both men and women may have the factors in experiencing infertility for them not being able to conceive a child. 

Also, this is the route taken for many LGBTQ+ individuals to conceive and have a child and for couples who have genetic disorders when it comes to fertility. There are also many causes why IVF has become an option for getting pregnant other than old age:

• Endometriosis
• Low sperm count or poor sperm motility
• STDs like chlamydia and gonorrhea cause Pelvic Inflammatory Diseases (PID).
• Polycystic Ovarian Syndrome (PCOS), which is a common cause of infertility among women due to interference of eggs to mature and start to ovulate to be fertilized
• Untreated undescended testes
• Acidic uterus
• Prostate cancer
• Ovarian cancer

IVF treatment is quite pricey, so infertility treatment is not usually covered by health insurance. Although there are some conditions or incidences, one should be able to get, or that may be included, to have insurance benefits from infertility.

Covered By Health Insurance
These are the following conditions one may be able to get health insurance benefits for infertility or IVF treatment.

Infertility Consultation And Diagnoses
One of the reasons insurance benefits do not usually cover IVF or infertility treatment is that it is not considered life-threatening compared to accidents and sudden hospitalization. However, consultation visits and test procedures should be covered, but the IVF procedure may not be able to cover the expenses fully.

Full Infertility Insurance
You can check in on your insurance providers to see if they fully cover infertility conditions or even IVF treatments. But within and depending on their health insurance policy, other benefits may still cover infertility or IVF treatments.

Medicine
Insurance providers may not be able to cover medical expenses due to infertility, but general health insurance policies may cover medical expenses in general. You might want to talk with your insurance providers and look into your policies, which should be covered and not particularly on this condition.

Conclusion
IVF procedures are still a new medical procedure, so insurance policies may not fully cover this. You can still do some workarounds to get insured by such conditions.

At Hyde Insurance Group, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 345-1215 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.