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Is IVF Covered by Insurance?

In-vitro fertilization (IVF) is a fertility treatment to help couples struggling to conceive a child. Yet they might hesitate to pursue IVF because of cost concerns and wonder whether IVF is covered by insurance.

Key takeaways:

In this article, we will explore the ins and outs of IVF coverage and provide a step-by-step guide to help you navigate the process of getting IVF covered by insurance.

Why would you need IVF?

IVF is a recommended fertility treatment for individuals or couples struggling to conceive for a prolonged period or facing underlying fertility issues. It involves using medications to stimulate the ovaries, retrieving and fertilizing multiple eggs in a lab, and carefully monitoring the embryos before transferring them to the uterus. This increases the chances of successful implantation and pregnancy.

While IVF can be costly, its high success rate makes it attractive. Insurance coverage can help mitigate the expenses, making it more accessible. Discussing your options with healthcare and insurance providers is crucial for determining the suitability of IVF and exploring ways to make it more affordable. Reviewing your coverage, considering in-network providers, and engaging in open communication can enhance the likelihood of insurance coverage for IVF, empowering you on your path to parenthood.

IUI vs. IVF: What is the difference?

Intrauterine insemination (IUI) and IVF are fertility treatments that can help couples struggling with infertility. IUI involves inserting washed and concentrated sperm directly into the uterus during ovulation. In contrast, IVF involves using fertility medications to stimulate the ovaries to produce multiple eggs, which are then retrieved and fertilized in a lab before being transferred to the uterus. While IUI is less expensive and less invasive, it may not be as effective for specific fertility issues as IVF, which offers higher success rates at a higher cost. Individuals should discuss the choice between the two treatments with a healthcare provider, considering their specific fertility factors.

Does insurance cover IVF? Services covered

Insurance coverage for IVF varies significantly, depending on the insurance plan. While some policies provide full or partial coverage for the procedure, others do not cover IVF costs. Review your insurance policy carefully and talk with your insurance provider to understand your specific coverage in advance. Planning accordingly will help avoid unexpected costs associated with IVF.

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Fertility testing

Fertility testing is imperative to determine the best action for individuals and couples struggling with infertility. These tests help identify underlying fertility issues and inform the most effective treatment options. Depending on the specific case, fertility testing may involve various diagnostic tests, such as blood tests, semen analysis, and ultrasound imaging. By undergoing fertility testing, individuals and couples can better understand their fertility health and take the necessary steps toward achieving their family goals.

Infertility treatments

A variety of options are available for couples struggling to conceive. In addition to IVF, other therapies include intrauterine insemination (IUI), fertility drugs, or surgery to address specific underlying issues. Your healthcare provider can help determine which treatment is proper for you based on your circumstances and medical history. It's important to explore your options and discuss potential risks, benefits, and costs with your healthcare team before deciding which treatment to pursue.

IVF after tubal ligation

Tubal ligation is a permanent birth control method that surgically blocks or seals the fallopian tubes. IVF provides a successful alternative for couples who have undergone this procedure but desire to have children. IVF enables fertilization outside the body by circumventing the blocked or sealed tubes. Thus, IVF offers hope for couples seeking to conceive after tubal ligation.

Additional costs covered by IVF insurance

In addition to IVF procedure costs, insurance coverage for the IVF journey may include fertility medications, blood tests, ultrasounds, and other diagnostic tests. Some insurance plans may also cover additional services such as genetic testing, embryo cryopreservation, and donor egg or sperm services. However, it's essential to review your specific insurance plan and speak with your insurance provider to understand exactly what is covered and what out-of-pocket expenses you may incur.

What insurance covers IVF?

Private health insurance, Medicare, Medicaid, and Tricare are some common types of insurance that may cover IVF. Reviewing your insurance policy carefully and talking with your insurance provider to understand your specific coverage is essential. Some insurance providers, such as Cigna, Blue Cross, United Healthcare, and Aetna, may offer coverage for fertility testing, infertility treatment, and IUI treatment in addition to IVF. It's crucial to know what services are covered and the extent of coverage to plan accordingly and avoid unexpected costs.

Private health insurance

Many private health insurance plans recognize the importance of fertility treatments and offer varying degrees of coverage for IVF. However, the extent of coverage can differ widely depending on the specific plan and may be subject to deductibles, copays, or other out-of-pocket expenses. It's crucial to thoroughly review your insurance policy, including any limitations or restrictions related to IVF coverage, and to contact your insurance provider for detailed information about your plan.


Medicare is a federal health insurance program primarily for individuals 65 and older and typically does not cover IVF. People in this age category rarely look to add children to their families at this point in their lives, and it is often not recommended by healthcare providers due to the potential for age-related complications. However, having Medicare coverage for a disability not related to age, Medicare may cover specific diagnostic tests or other infertility treatments that are medically necessary. Consult with your healthcare provider and review your Medicare plan to determine the extent of coverage for fertility-related services.


Medicaid, a joint federal and state program that provides health insurance to low-income individuals and families, varies in its coverage of IVF depending on the state. Some states may offer limited coverage for fertility treatments, including IVF, although eligibility criteria and coverage limitations may apply. It's crucial to check with your state's Medicaid program to understand the specific coverage options and requirements related to IVF.


Tricare, the healthcare program for military members and their families, typically does not cover the cost of IVF. However, similar to Medicare, Tricare may cover certain diagnostic tests or other infertility treatments deemed medically necessary. It's advisable to consult with Tricare directly and review the specific coverage details to understand the available benefits related to fertility treatments under the program.

Out-of-network coverage for IVF

Suppose a specific clinic or provider is not in-network for your plan. In that case, you may still be eligible for coverage, with potentially higher out-of-pocket costs. While insurance coverage for IVF may vary, you may need to consider the availability of out-of-network coverage to see the specialist best suited for you.

Most private insurance providers, including Cigna, Blue Cross, United Healthcare, and Aetna, may offer out-of-network benefits for IVF and related fertility treatments. Understanding the extent of out-of-network coverage and any additional requirements or paperwork is essential for making informed decisions about your IVF journey and maximizing your insurance benefits.

How to get IVF covered by insurance? Step-by-step guide

If you are interested in pursuing IVF and have insurance coverage, there are several steps you can take to increase your chances of getting IVF covered by insurance:

  1. Review your insurance policy. Carefully review your insurance policy to determine whether IVF is covered and what your out-of-pocket expenses may be.
  2. Contact your insurance provider. Contact your insurance provider to confirm your coverage and ask any questions you may have about the IVF process.
  3. Get a referral. If your insurance plan requires a referral from your primary care physician or a specialist, obtain this before scheduling your IVF treatment.
  4. Find an in-network provider. If possible, seek an IVF provider that is in-network with your insurance plan to minimize out-of-pocket costs.
  5. Consider alternative treatments. If your insurance plan does not cover IVF or is prohibitively expensive, consider alternative fertility treatments that may be covered or less costly.

How much will IVF cost with insurance?

IVF costs with insurance vary depending on your specific plan and coverage. Some insurance plans may provide comprehensive coverage for IVF, including fertility medications, monitoring, and procedures, resulting in lower out-of-pocket costs. However, other plans may offer limited coverage, requiring higher deductibles, copayments, or coinsurance.

To determine the cost of IVF with insurance, carefully review your policy and contact your insurance provider. They can provide detailed information about coverage limits, preauthorization requirements, and any restrictions on the number of IVF cycles covered. You can estimate potential out-of-pocket costs and plan accordingly by understanding your coverage.

Additionally, consider exploring financial assistance programs and fertility medication discount programs that can help reduce the overall cost of IVF treatment. Being well-informed about your insurance coverage and available resources will enable you to navigate the financial aspects of IVF and make informed decisions about your fertility journey.

How much can you expect to pay for IVF without insurance?

IVF without insurance can be substantial, typically from $10,000 to $15,000 per cycle. However, it's important to note the actual costs may vary based on several factors, including the chosen IVF provider, geographical location, and additional treatments or procedures.

If you are considering IVF without insurance coverage, thoroughly assess your financial situation and develop a plan to manage expenses. Researching alternative funding options such as fertility grants, loans, or financing programs offered by IVF clinics can make the treatment more affordable. Some clinics may also provide discounted package deals or payment plans to assist patients in managing their financial burden.

Before proceeding with self-pay IVF, consult with your chosen IVF clinic to obtain a detailed breakdown of the costs and discuss any available payment plans or financial assistance options. By carefully evaluating your options and seeking financial support, you can plan for IVF costs without insurance coverage.

What other fertility treatments are available?

In addition to in vitro fertilization (IVF), there are several other fertility treatments that couples struggling to conceive can consider. These treatments include fertility drugs, intrauterine insemination (IUI), the use of donor eggs or sperm, and intracytoplasmic sperm injection (ICSI). Each of these treatments offers unique approaches to address specific fertility challenges and increase the chances of successful conception.

By exploring these options, individuals and couples can work closely with their healthcare providers to determine the most suitable treatment plan based on their needs and circumstances. Understanding the range of available fertility treatments allows for a comprehensive and personalized approach to overcoming infertility and starting a family.

Fertility drugs

Fertility drugs play an essential role in assisting couples struggling with infertility. By regulating hormone levels, these medications stimulate ovulation and enhance the chances of successful conception. They can be used as a standalone treatment or combined with other fertility interventions. Fertility drugs promote the release of mature eggs, improving the chances of fertilization.

Consulting with a fertility specialist is important to determine the appropriate type and dosage of fertility drugs based on individual circumstances, ensuring optimal results in the journey toward parenthood. Individuals should check with their insurance plans to review coverage for fertility drugs. While individual commercial insurance plans may provide coverage, federal plans such as Tricare and Medicare do not.


IUI, or intrauterine insemination, is a less invasive fertility treatment option. It involves the careful insertion of washed and concentrated sperm directly into the woman's uterus during ovulation. IUI can be suitable for couples facing specific fertility issues, offering a less complex alternative to IVF. By placing the sperm directly into the uterus, it increases the chances of fertilization and successful conception.

Consulting with a fertility specialist is important to determine if IUI is the right option based on individual circumstances, maximizing the chances of achieving pregnancy.

Donor eggs or sperm

In cases where one partner experiences fertility issues or genetic concerns, using donor eggs or sperm becomes an option. This involves incorporating eggs or sperm from a carefully selected donor into the IVF process to facilitate fertilization and achieve a successful pregnancy. By utilizing donor gametes, couples can overcome specific fertility challenges and increase their chances of conceiving a child.

Only a fertility specialist can guide and recommend selecting a suitable donor and navigating the complexities of using donor eggs or sperm.

Intracytoplasmic sperm injection

Intracytoplasmic sperm injection (ICSI) is a specialized procedure employed when there are concerns regarding sperm quality or quantity. This technique involves injecting a single sperm directly into the egg, optimizing the chances of successful fertilization. By directly introducing sperm into the egg, ICSI bypasses potential obstacles and enhances the chances of fertilization, increasing the likelihood of achieving a successful pregnancy.

ICSI can be an effective solution for couples facing male factor infertility or other sperm-related issues. It is a commonly utilized technique in conjunction with in vitro fertilization (IVF). It can be recommended by fertility specialists based on individual circumstances and diagnostic findings.

Final word

Navigating insurance coverage for in-vitro fertilization (IVF) requires careful consideration and understanding of your specific plan. While IVF can be a costly treatment option, its high success rate makes it attractive for couples struggling with infertility. Because insurance coverage for IVF varies widely, be sure to review your policy, communicate with your insurance provider, and explore other fertility treatment options. By understanding your coverage, seeking in-network providers, and considering alternative treatments, you can increase your chances of getting IVF covered by insurance.

Additionally, it's essential to be aware of the potential costs of IVF without insurance and explore financial assistance programs or payment plans offered by clinics. Being well-informed about your insurance coverage and available resources will empower you to make informed decisions about your fertility journey and access the necessary support for starting a family.


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