I’m ready to grow my family… and I want to understand the financial expenses
Fertility treatments can be costly, but not all patients require the most expensive treatments, such as in-vitro fertilization (IVF) that can cost several thousands of dollars. Often less costly treatments are successful and some may be covered by insurance. Consider the value of the treatments, in addition to the absolute cost in dollars. Developing a decisive plan of action with flexibility to adjust strategies depending upon treatment response will help stretch your fertility funds.
While some States are mandated to provide insurance coverage for comprehensive infertility treatments (i.e., Massachusetts, Illinois), many California insurance plans may provide limited or no infertility coverage. For instance, some insurance plans provide benefits to “diagnose the cause of infertility.” Others may require couples to undergo certain tests or treatments before allowing more advanced treatments. Finally, some insurance companies may provide pharmacy benefits to cover the cost of fertility medications, which can be costly.
The details vary, so it is important to learn about your specific policy. While we work with patients to make sure they understand which services are and are not covered by insurance, it is important that you contact your insurance provider directly to understand your contractual agreement, including your financial responsibilities, such as deductible and co-payments.
Healthcare financing may be an option to help cover the costs of fertility treatment. While we have no formal agreement with them, many of our patients have had a positive experience with Prosper Health Care. Please ask us if you need help understanding the process.
Special Circumstances, Cancer patients (Oncofertility)
We have discount programs for patients recently diagnosed with Cancer who want to undergo fertility preserving treatments prior to their Cancer therapy. In addition to working closely with various hospitals, physician groups, pharmaceutical companies, and cancer societies, we offer reduced pricing to assist patients recently diagnosed with Cancer.
In this situation, young women or men are forced to unexpectedly and immediately deal with their fertility because cancer treatments may compromise their ability to have children – sometimes temporarily, and other times permanently.
With increasing cancer survival rates, OC Fertility® is proud to give patients an opportunity to pursue fertility preservation options, such as egg, sperm, or embryo banking. This provides an opportunity for patients to potentially delay fertility until after their treatment is complete, they are Cancer free, and ready to start a family.
Grants and Discount Programs
Fertility Within Reach is a national nonprofit that maintains a list of vetted organizations that provide grants, scholarships, discounts or other financial assistance for family building. You can visit their website for the latest on programs you may qualify for.
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If you want to learn more about Cancer and Fertility visit our helpful links section for more information on cancer and fertility.