The decision to have a baby is a happy one, including for those who may need medical assistance to get pregnant. 

Fertility treatment does require extra planning and, sometimes, out-of-pocket expenses. But the more information you have about insurance and other financial resources, the more likely you can keep costs as affordable as possible. 

If you are thinking of starting a family in 2020, now is the time to begin planning for how to get the most from all of your resources. Remember, you are your strongest advocate. Read the laws and regulations in your state, understand your insurance coverage, and make sure your health care providers give clear answers to your questions.

Here are some steps that might help you manage the journey you are about to take.