Getting Pregnant Resources: How to Finance Infertility Treatment

For individuals experiencing infertility, assisted reproduction is often a viable infertility treatment option. However, while assisted reproduction technology can be an effective treatment for both male infertility and female infertility, this type of infertility treatment can also be quite costly.

Many couples worry about infertility treatment costs and in many cases the cost of infertility treatment, including the cost of fertility drugs, limits the type of infertility treatment a couple has access to. However, forming a financing plan can help individuals finance infertility treatment in a practical manner without compromising their odds of getting pregnant.


Financing Infertility Treatment: Tips on How to Finance Your Infertility Treatment

Budget for Infertility
Couples should budget for infertility treatment in the same manner as they would save for education, retirement, or for their home. Unfortunately, many couples do not budget for infertility. Couples under the age of 35 who have been unsuccessful in getting pregnant after a year of trying should see a fertility specialist. Couples 35 years of age and over who have been trying to get pregnant for 6 months and individuals over the age of 40 should consult with a fertility specialist about their infertility treatment options. A typical IVF cycle can cost approximately £6,300 while the cost of fertility hormones can add up to £2,540.

Speak to A Fertility Specialist
Seeing a fertility specialist will allow you to discuss costs of infertility treatment, treatment options, as well as practical financing plans. By seeing a reproductive endocrinologist early on, you will save money and time, and minimize stress. Your reproductive endocrinologist will also often be able to refer you to a financial counsellor. In addition, seeing a fertility specialist early on will give you a greater sense of control over the process of infertility treatment, which will decrease stress. A good way to find a fertility specialist is to ask your primary care physician or your obstetrician-gynaecologist for a referral.

Confirm your insurance coverage
While some couples may feel pressure to start their infertility treatment right away, it can more often times than not lead to increased and unnecessary financial stress later on. Figuring out how you will pay for infertility treatment before starting any treatment is your best option. Your fertility specialist will often recommend researching your health insurance policy to determine what types of infertility treatment they cover. Many plans cover diagnostic infertility tests, but roughly only one-quarter of them cover most ART methods, such as IVF and GIFT. Be sure to investigate companies that offer affordable treatment packages, financial plans and refund guarantees. Another option may be to participate in clinical trials in the case that your insurance coverage provider does not cover the infertility treatment option that would maximize your chances of getting pregnant as reputable clinical trials offer close monitoring.

Connect with others
When it comes to financing infertility, education is crucial. Talk to friends, neighbours and family who have undergone infertility treatment and ask them about what steps they took to finance their infertility treatment. This will also provide you with an excellent support network as you embark on your own path towards getting pregnant.


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