Affording care
A little bit of information can go a long way while navigating fertility care costs
As of June 2024, 22 states plus DC have passed fertility insurance coverage laws. Sixteen of those laws include IVF coverage, and 18 cover fertility preservation for iatrogenic (medically induced) infertility.
US fertility insurance coverage (as of June 2024)
You can find summaries of state insurance laws here.
Insurance Coverage by State
States with IVF and fertility preservation coverage
States with IVF coverage
States with fertility preservation and some infertility coverage
States with fertility preservation and offer (not require) infertility or IVF coverage
States with fertility preservation coverage
States with some infertility coverage
Image copyright: © 2024 RESOLVE: The National Infertility Association.
Let’s talk about health accounts like FSAs, HSAs, and HRAs
Your employer may offer special accounts to help you save on annual medical costs, including for fertility treatment.
- A flexible spending account (FSA) lets you set aside money before taxes for qualified medical expenses. Typically, you must use this money within the plan year, or you could lose it. But some employers may either offer a grace period or allow you to roll part of it over to the next year.
- A health savings account (HSA) also lets you set aside money before taxes for qualified medical expenses. HSA funds roll over from year to year and can be saved for later use. Your HSA belongs to you and stays with you. But you can only contribute to an HSA if you’re a member of an eligible high-deductible health plan.
- A health reimbursement arrangement (HRA) is an account your employer owns and funds. You get reimbursed tax-free from the HRA for qualified medical expenses up to a fixed amount each year. Unused funds can roll over from year to year. But an HRA doesn’t go with you if you leave your job.
Let’s talk about your options when your procedure is covered but your medications are not
Your insurance may cover all or part of your treatment. If your medication is not covered, a specialty pharmacy that carries fertility medications may be able to help.
- Specialty pharmacies are different from traditional pharmacies.
- Specialty pharmacies provide medications to treat highly specific and complex health needs, such as infertility issues.
- Some specialty pharmacies offer patient assistance programs for infertility treatments.
- Specialty pharmacies may partner with drug manufacturers to help provide discounts for specific fertility drugs to certain eligible patients.
In your path forward, you may consider medical loans, grants, third-party lending, or credit lines. Make sure to speak to your fertility team to discuss financing options.
Download questions for your employer and your insurance provider as a printable worksheet
Affording care worksheet
