(page 4 of 4)
Costs and coverage
It's difficult to predict costs until you have been evaluated by your physician and a treatment program has been determined, but it is important to discuss finances early on. The first step is often beginning an oral fertility pill; with minimal monitoring, that can range in the hundreds of dollars. As you add additional monitoring and move into injectable medications, costs increase into the thousands. IVF and other ART treatments can cost ten of thousands of dollars per cycle.
Some doctors may offer payment plans, while others require payment as the procedure is performed. Before you get started, check the medical and prescription coverage offered by your insurance carrier. Ask questions related to co-payments, authorization for treatments, exclusions, limits on cycles and eligibility for out-of-network coverage. After you've done your homework, get it all in writing.
Block adds that, "Each state has different laws on fertility coverage, so where you live plays a role in what services are covered and if the insurance provider is required by the state to cover anything at all." Contact your insurance provider, your state insurance commissioner's office or your state representative.
Holding on to hope
Aside from the financial burden of fertility treatment, couples often find the emotional toll a far bigger burden than they expected. Unless you're lucky on your first attempt, the relentless cycle of hope and despair can be taxing. When everyone in your circle of friends and family seem to be pregnant, a hopeful mom can feel very isolated and lonely in her frustration.
One aspect of the infertility experience that doesn't have to be expensive is the support you can find, both online and in your local community. So many couples face fertility challenges – you truly don't have to go through the experience alone. And when you finally see that elusive second pink line on a pregnancy tests, you will have lots of new friends to celebrate with you!