What Health Insurance May Cover For IVF Surrogacy

• Diagnostic Testing: Most insurance plans cover diagnostic tests to identify the cause of infertility, such as blood tests, ultrasound, and semen analysis.
• Medications: Some insurance plans may cover fertility medications used during IVF treatment.
• Procedures: Coverage for IVF procedures themselves, including egg retrieval, fertilization, and embryo transfer, may vary. Some plans provide partial or full coverage, while others may not cover these procedures at all.
• Limits and Restrictions: Insurance plans may have specific criteria or limitations for coverage, such as age restrictions, limitations on the number of cycles, or requirements for documented infertility.

It is crucial to review your insurance policy or contact your insurance provider directly to understand the specific coverage and limitations for IVF under your plan.

• Fertility Benefit Programs: Some employers offer fertility benefit programs that provide coverage for IVF and related treatments. Check with your employer's human resources department to see if such programs are available.
• State Mandates: Some states have laws mandating insurance coverage for fertility treatments, including IVF. Research whether your state has any mandates in place.
• Financial Assistance Programs: Various organizations and foundations offer financial assistance or grants to help individuals and couples with the costs of fertility treatments.

It is crucial to discuss your specific situation with your insurance provider and consider consulting with a fertility specialist and a reproductive law attorney who can provide guidance on insurance coverage and financial options tailored to your needs.