How to Find Insurance for Fertility

The cost of procedures to restore or enhance fertility can seem overwhelming, especially considering that more than one procedure or mode of treatment is usually necessary to achieve a viable pregnancy. Fertility treatment can be unaffordable unless health insurance can defray some of the expenses. Although insurance policies that cover fertility are not always easy to come by, you can take several steps that may help you obtain the coverage you need as well as find other options for financial assistance.

Instructions

• 1

  Try to work with your current health insurance policy. See whether certain fertility tests and procedures can be covered as treatment for general health conditions. For example, if your infertility is a result of ovulation failure caused by polycystic ovary disease, your insurance provider might cover treatment for that condition. Talk to your treatment provider for ways this can be done.

• 2

  Write to your employer's human resources department to request a health insurance policy that covers fertility procedures. Companies often make changes to their benefit packages based on employee feedback.

• 3

  Change jobs. Find a company whose benefits include health coverage through an insurance provider with coverage for fertility treatment. Make use of online networking tools to find people you can contact at particular companies for information about the health insurance provided to employees.

• 4

  Relocate to a state in which insurance coverage for fertility procedures is mandated. This is true in a number of states, although specific laws vary. Be sure you learn the details of the laws in states you are considering.