If you have decided to seek IVF treatment, finding the money to cover the costs can be quite daunting
While some insurance plans cover some IVF costs, millions of people across the United States have no coverage at all.
If your health care plan doesn’t offer any idea of coverage, there are still some steps that you can take to access insurance
That said, it’s not an easy process, and requires a lot of research and homework. We know that you’re already feeling emotionally exhausted by the whole process, but with a little bit of extra research, you could access much-needed funds for treatment.
Here are five ‘outside the box’ ways that you can access IVF coverage.
Ask your employer
This option may seem almost too easy to work, but you’ll be surprised at how often a bold and direct approach can work. If your employer doesn’t already offer fertility benefits, it may just be that no one has ever asked for them in the past. Your employer may not realise that they can ask their insurance broker to add fertility coverage to their existing plan. In some cases, your employer may even choose to replace their current plan with one that provides IVF benefits.
Just a quick note – never feel timid or embarrassed to ask for this coverage. Employers want to hear from their employees about new ways to be competitive and attract the best talent. Improving their insurance coverage is a crucial way that they can do this.
Ask your insurer
Okay, you’ve gone ahead and asked your employer to add fertility coverage. In the meantime, you can contact your insurers directly and ask them to make an exception and cover you. This request for additional benefits is called an Exemption of Benefits or Predetermination of Coverage. You’ll need to provide them with a letter from your doctor proving your medical need and demonstrating that you are a good investment. Essentially, this document should show that you have more than a 5% chance of a live birth.
Share research with them that shows how their coverage could save them money in the long run. For instance, when paying for IVF treatments privately, patients are more likely to transfer multiple embryos. This leads to higher risk pregnancies and long-term consequences.
Look into non-group insurance
While non-group plans come with high monthly premiums, they will prevent you from paying for a full IVF cycle out-of-pocket. Look for non-group plans in your state that cover IVF in your state, and get in touch with them to determine if you qualify.
Get involved in a Clinical Research Trial
Many fertility centres run frequent clinical trials to try new treatment regimes and drugs. Search for these opportunities online, or check out websites such as centerwatch.com or clinicaltrials.gov.
Change employers (or get a part-time job)
While this may seem like a drastic step, many people have changed their employers in order to access fertility benefits. And if you take a slight pay cut, you may come out on top when you consider the money you’ll save on IVF treatment. You can also consider relocating – different states of different laws and rules about IVF insurance coverage. Your employer’s office in another state may provide the coverage you need.
Of course, there is always the Starbucks method. Starbucks offers robust fertility treatment to even part-time employees, and so many people take a part-time job as a barrister in order to make their dreams come true.
Do you think about these ways to get IVF coverage? Have you tried any of these methods? We would love to hear from you at firstname.lastname@example.org