IVF Insurance Options

The WINFertility Quality Discount Treatment Program is designed for patients with no infertility insurance coverage and for those who have exhausted their IVF insurance benefit. However, patients should investigate their medical insurance policies and utilize whatever medical and pharmacy benefits are available to them. Some diagnostic tests, corrective surgeries and some medications may be covered, even though more advanced treatments are not. Below is some helpful information about insurance options.

Some of the mandated states offer plans that exclude IVF, and several cover only IUI treatments and surgical interventions. The plans may also have various limitations on number of treatments, age and by whom and where treatments may be performed. Living in a mandated state does not guarantee that you will have IVF insurance coverage. Employers who buy insured benefits through an insurance company must comply with the state mandated law. However, if your employer is ‘self-insured’ and has a self-funded benefits program, your employer is exempt from state mandates. RESOLVE, the national infertility association, has a comprehensive overview on IVF insurance that is an excellent resource.