Affording Fertility Treatment: What You Need to Know
Finding out whether your medical insurance covers fertility treatment may be easier than you realize.
Checking before you start fertility treatment is crucial to ensure that you do not have to pay out of pocket expenses because you have not received preauthorization or you have not undergone all the diagnostic fertility testing that your insurance carrier requires.
Insurance Coverage for Fertility Treatment
"At Reproductive Medicine Associates of Connecticut (RMACT), we help you work with your insurance company to determine your level of coverage and your out-of-pocket expenses (when applicable). We also review with you the specific details of your insurance plan for infertility treatment. We encourage you to be your own best advocate by thoroughly understanding your benefits before you begin treatment. Start by reviewing your specific policy requirements for covered and non-covered infertility services and asking questions of your insurer for clarification."
Infertility benefits vary from patient to patient and from provider to provider. Here are some key points about insurance coverage for infertility treatment by major plans to help you know what to expect."
We will work with you to find out about insurance coverage and state mandate coverage so that you can afford fertility treatment. RMACT also offers Opportunity Plans specifically designed for those of you who have no insurance coverage or who have run out of insurance coverage. The Opportunity Plans include nearly all fees that will be incurred in any given fertility treatment protocol so that if you are paying out of pocket, you will know what to expect.
No Insurance? Fertility Treatment is Still Possible
RMACT has an Opportunity Plan to cover each of the following fertility treatment protocols:
If you are thirty-five years or under and have not conceived in one year or are over thirty-five and have not conceived in six months, or you have conceived but have been unable to carry a baby to term, please make the call and find out about getting help.
Excellent fertility treatment is available and we will help you find a way to make it affordable.
You are not alone. We are here. Make the call.
About Lisa Rosenthal
Lisa has over thirty years of experience in the fertility field. After her personal infertility journey, she felt dissatisfied with the lack of comprehensive services available to support her. She was determined to help others undergoing fertility treatment. Lisa has been with RMACT for eleven years and serves as Patient Advocate and the Strategic Content Lead.
Lisa is the teacher and founder of Fertile Yoga, a program designed to support men and women on their quest for their families through gentle movement and meditation.
Lisa’s true passion is supporting patients getting into treatment, being able to stay in treatment and staying whole and complete throughout the process. Lisa is also a Certified Grief Recovery Specialist, which is helpful in her work with fertility patients.
Her experience also includes working with RESOLVE: The National Infertility Association and The American Fertility Association (now Path2Parenthood), where she was Educational Coordinator, Conference Director and Assistant Executive Director.