One of the biggest myths about fertility treatment is that it’s never covered by insurance. While it’s true that many plans have limited or no benefits, a surprising number offer some level of support—but they don’t always make it easy to find. You can’t afford to make assumptions. The only way to know for sure is to become your own best advocate and investigate the details of your specific plan. This guide is your playbook for that investigation. We’ll show you exactly where to look, what questions to ask, and how to understand the fine print of your IVF insurance coverage so you can get the clarity you deserve.

Key Takeaways

• Master your own insurance policy: Before you do anything else, get a copy of your full plan booklet. The most critical question for your HR department is whether your plan is "self-insured" or "fully-insured," as this determines if state coverage mandates apply to you.
• Understand the fine print on your coverage: "Fertility coverage" rarely means everything is paid for. Look closely for specific limitations like lifetime dollar maximums, caps on the number of treatment cycles, age restrictions, and separate rules for prescription medications to avoid surprise costs.
• Build a financial strategy beyond insurance: Don't let a lack of coverage stop you. Proactively explore other financial tools, such as fertility grants, tax-advantaged FSA or HSA funds, and financial plans that offer a refund if treatment is unsuccessful, to create a complete and manageable payment strategy.

IVF Insurance 101: The Basics

Figuring out insurance for fertility treatment can feel like learning a new language. Between the confusing terms and fine print, it’s easy to feel overwhelmed before you even start. But understanding the basics of your coverage is a powerful first step. Think of it as creating a financial roadmap for your journey—it helps you know what to expect, what questions to ask, and how to plan for the road ahead. You don’t have to be an expert, but knowing a few key things can make a world of difference.

This guide will walk you through the fundamentals of IVF insurance, from what’s typically covered to the questions you should be asking your HR department. We’ll break down the jargon and give you actionable steps to help you feel more in control of the process.

What's usually covered?

Insurance plans vary wildly, but many have some level of fertility coverage. Most plans will cover the initial diagnostic tests to figure out why you’re having trouble conceiving. This can include bloodwork, ultrasounds, and other procedures to identify the underlying issues.

Beyond diagnostics, coverage gets a bit more specific. Many newer state laws require plans to cover fertility preservation, like egg freezing, if a medical treatment like chemotherapy might impact your future fertility. Some states go further, mandating that insurance companies cover treatments like IUI (Intrauterine Insemination) and IVF. It’s important to remember that even with a mandate, there can be specific requirements or limits on what’s included.

Common myths about IVF coverage

One of the biggest myths is that fertility treatments are never covered by insurance. While it’s true that many plans have limited or no coverage, a surprising number offer some benefits, so it’s always worth checking instead of assuming you have to pay for everything out of pocket.

Another common misconception, especially for people hoping to advocate for better benefits at work, is that adding fertility coverage will make health care costs skyrocket for the company. In reality, that’s rarely the case. According to a survey by the advocacy group RESOLVE, 97% of employers that added infertility treatment to their benefits package saw no increase in their medical costs.

How to check your coverage

Ready to do some digging? The best place to start is with your insurance plan documents. Log into your insurance company’s website and look for your plan booklet or "summary of benefits." Use the search function to look for terms like “infertility,” “fertility,” “IVF,” or “assisted reproductive technology.”

Pay close attention to the exact wording. If your policy says it “excludes infertility treatment and all related services,” that’s a strong sign those services won’t be covered. If you can’t find a clear answer, your next stop should be your company’s human resources department. They can often provide more details about your specific plan.

Self-insured vs. fully-insured plans: Why it matters

This is one of the most important—and confusing—parts of understanding your coverage. Your employer’s plan is either “fully-insured” or “self-insured.” A fully-insured plan means your employer pays a premium to an insurance company, and that plan must follow state insurance laws. A self-insured plan means your employer pays for medical claims directly, and these plans are often exempt from state laws.

This matters because even if you live in a state with a mandate for IVF coverage, it might not apply to you if your employer has a self-insured plan. The best way to find out is to ask your HR representative a direct question: “Is our health plan fully-insured or self-insured?” Their answer will tell you whether state mandates apply to your coverage.

Does Your State Require IVF Coverage?

Whether your insurance covers IVF can often come down to your zip code. It’s a frustrating reality, but insurance laws for fertility treatment are wildly different from state to state. Some states have passed laws that require insurance companies to offer or provide coverage for infertility treatments, while others have no requirements at all. This can feel like a lottery, and it adds another layer of stress to an already emotional process.

Understanding these state-level rules is a critical first step in figuring out what you might have to pay out-of-pocket. But even if you live in a state with a mandate, there are often exceptions and specific requirements you need to meet. It’s a bit of a patchwork system, but knowing the rules where you live can help you ask the right questions and advocate for the coverage you need. Let’s break down what you need to know about how your location impacts your insurance.

States with mandated coverage

As of today, 19 states have laws on the books requiring insurance companies to provide some level of infertility coverage. The key phrase here is “some level.” These laws vary widely—some might cover diagnosis but not treatment, while others might cover a specific number of IVF cycles. RESOLVE: The National Infertility Association keeps an updated list of insurance coverage by state that you can check. It’s the best place to see the specific details for where you live, including what treatments are included and if there are any exclusions.

Coverage for military and federal employees

If you’re a member of the military or a federal employee, your insurance coverage works a little differently. Military members and their families are covered by TRICARE, which has its own specific guidelines for fertility treatments that are separate from state laws. Similarly, federal employees are covered by the Federal Employees Health Benefits (FEHB) Program, which offers various plans. While some of these plans have started to offer more robust fertility benefits, they aren’t required to follow state mandates. You’ll need to look directly at your specific TRICARE or FEHB plan documents to understand what’s covered.

How your location impacts your coverage

Even if you live in one of the 19 states with a mandate, you might not automatically have coverage. Why? Many large employers have "self-insured" health plans. This means the company pays for employee medical claims directly, rather than paying a premium to an insurance company. These self-insured plans are governed by federal law, not state law, so they don’t have to follow state insurance mandates. It’s a confusing loophole, but an important one to be aware of. The best way to find out is to ask your HR department if your health plan is self-insured or fully-insured.

What IVF Costs (and What Insurance Pays For)

Talking about the cost of IVF can feel overwhelming, but getting a clear picture of the numbers is one of the most empowering things you can do. The total price tag is more than just the clinic’s fee for a single cycle; it’s a combination of medical services, medications, and potential add-ons. Your insurance plan might cover some, all, or none of these costs. The key is to break it all down piece by piece so you know exactly what to expect and can plan accordingly. Think of it as creating a financial road map for your treatment journey.

Core treatment costs

The main cost of an IVF cycle typically covers the procedures your clinic performs. This includes monitoring appointments with bloodwork and ultrasounds, the egg retrieval surgery, the lab work for fertilization and embryo development, and the embryo transfer. While most insurance plans cover the initial diagnostic testing to figure out why you’re having trouble conceiving, coverage for the actual treatment is less of a sure thing. It’s a frustrating distinction, but an important one to be aware of. Your first step should be to get a detailed cost sheet from your clinic that itemizes every part of a standard cycle.

Other costs to plan for

Beyond the core cycle fees, several other expenses can pop up. Fertility medications are a major one, often costing several thousand dollars per cycle and sometimes billed separately through a specialty pharmacy. You might also consider Preimplantation Genetic Testing (PGT) to screen embryos, which is an additional lab fee. If you have extra embryos, you’ll also need to pay for cryopreservation (freezing) and annual storage. And don’t forget the practical costs—if your clinic isn’t local, you may need to budget for travel, accommodation, and time off work for your appointments.

Understanding your coverage limits

Even if your plan offers fertility benefits, there are usually limits. Many policies cap the number of IVF cycles they’ll cover or set a lifetime maximum dollar amount, which could be anywhere from $15,000 to $100,000. It’s so important to read the fine print. Look for the exact wording in your policy documents. If it says it “excludes infertility treatment and all related services,” you’ll know that those services won’t be covered. You can find helpful summaries of insurance coverage by state, but your specific plan details are what matter most.

Why staying in-network is important

Using a clinic that is “in-network” with your insurance provider is the best way to keep your costs down. An in-network clinic has a contract with your insurance company to provide services at a negotiated rate. Going out-of-network almost always means you’ll pay significantly more. Here’s a tricky part: many large employers have “self-insured” health plans, which are exempt from state laws that mandate fertility coverage. So even if you live in a state with a mandate, your specific plan might not have to follow it. Always call your insurance company to verify that your chosen partner clinic is in-network.

Calculating your out-of-pocket costs

Once you have the cost sheet from your clinic and the details from your insurer, you can start to map out your real costs. Your out-of-pocket expenses will include your deductible (what you pay before insurance kicks in), copayments (a fixed fee per service), and coinsurance (a percentage of the cost you’re responsible for). Add these up to see what you’ll need to cover. Some programs offer financial protection, refunding a portion of your cost if treatment is unsuccessful. This can provide peace of mind and make the financial side of things feel more manageable.

How to Read Your Insurance Policy

Insurance policies can feel like they’re written in another language. But once you know what to look for, you can get a much clearer picture of what’s covered. Think of it as a treasure map—the benefits are there, you just need to know how to find them. Your first step is to get a copy of your full plan booklet or summary of benefits, which you can usually find on your insurance company's website or by asking your HR department.

Finding the fertility section in your policy

Start by looking for terms like “infertility,” “fertility,” “assisted reproductive technology (ART),” or even “family building.” Sometimes this information is tucked away in a section about maternity care or specific medical procedures. If you’re using your computer, a simple Ctrl+F search for these keywords in the PDF of your policy can save you a lot of time. It’s a good idea to research your benefits from every angle—check the insurance portal, read the plan booklet, and talk to your HR representative to make sure you haven’t missed anything.

Key terms to know

The exact wording in your policy matters—a lot. Pay close attention to phrases like “medically necessary,” as this often dictates what’s covered. Your policy might also list specific “exclusions.” For example, if it says it “excludes infertility treatment and all related services,” that’s a pretty clear sign that procedures like IVF won’t be covered. Also, look for definitions of “infertility.” Some plans have very specific criteria you must meet, like trying to conceive for a certain amount of time, before your benefits kick in.

What is pre-authorization?

Pre-authorization, sometimes called prior authorization, is a crucial step. It means you have to get approval from your insurance company before you start a specific treatment or procedure. Think of it as getting a green light before you go. Many plans require pre-authorization for major services like IVF cycles or specific medications. If you skip this step, your insurer could deny the claim, leaving you responsible for the entire bill. Your fertility clinic’s financial coordinator can often help you manage this process, so don’t be afraid to ask for their support.

The appeals process, explained

Getting a claim denied can feel defeating, but it’s not always the end of the road. You have the right to appeal the decision. The appeals process usually involves submitting a formal letter explaining why you believe the treatment should be covered, along with any supporting documents from your doctor. This might include medical records, test results, or a letter of medical necessity. Each insurance company has its own process and deadlines for appeals, so be sure to read the denial letter carefully for instructions on how to proceed.

How to make the most of your coverage

To get the most out of your benefits, you need to be your own best advocate. Read the fine print for any specific qualifications or exclusions. For instance, some plans won’t cover treatment if you or your partner have had a prior voluntary sterilization, like a vasectomy or tubal ligation. Keep detailed records of every conversation with your insurance company, including the date, time, and the name of the person you spoke with. This paper trail can be incredibly helpful if you run into any issues or need to file an appeal later on.

What Are the Limits on Your Coverage?

Finding out you have some level of fertility coverage can feel like a huge win. But before you celebrate, it’s important to understand that “coverage” rarely means a blank check. Most insurance plans come with specific rules, exceptions, and limits that can have a big impact on your out-of-pocket costs. Think of it less as an all-access pass and more as a specific set of keys—you need to know which doors they open.

Understanding these limits isn’t about getting discouraged; it’s about being prepared. Knowing the fine print helps you plan your finances, have informed conversations with your clinic, and make the best decisions for your family-building journey. The last thing you want is a surprise bill or a denied claim halfway through a treatment cycle. Let’s walk through some of the most common limitations you might find in your policy so you can go into this process with your eyes wide open.

Age limits

It might seem personal, but many insurance plans set age restrictions on who qualifies for fertility treatment coverage. This can be a maximum age for the person carrying the pregnancy, and it often varies by state and by the specific plan. For example, a plan might cover IVF for individuals up to age 42, but not for someone who is 43. These rules are usually based on statistical success rates. You can find helpful state-by-state information on mandates, including any age restrictions, from organizations like RESOLVE. Check your policy documents carefully for any mention of age to see if this applies to you.

Limits on treatment cycles

One of the most common limitations is the number of treatment cycles your plan will cover in a lifetime. Some plans might cover three rounds of IVF, while others may only cover one. It’s also critical to understand how your insurance company defines a "cycle." Does a cycle count as a completed egg retrieval, or does it only count once an embryo transfer has occurred? A canceled cycle might or might not count against your lifetime maximum. Getting clarity on this definition is key to accurately tracking your benefits and planning for future treatments if they’re needed.

Is your medication covered?

Fertility medications can be one of the most expensive parts of treatment, sometimes costing thousands of dollars per cycle. Don’t assume that because your plan covers IVF procedures, it also covers the medications at the same level. Often, fertility drugs fall under your prescription drug benefits, which may have different rules, copays, and deductibles. Some plans have a separate lifetime maximum specifically for fertility medications. Call the number on the back of your insurance card and ask specifically about coverage for drugs like Gonal-F, Menopur, or Follistim to understand what you’ll be expected to pay.

Coverage for diagnostic tests

Here’s some good news: even if your plan has limited coverage for treatments like IVF or IUI, it will most likely cover the initial diagnostic testing. Most insurance plans cover the tests needed to determine the cause of infertility, as this is considered standard diagnostic care. This can include initial consultations, blood work to check hormone levels, and ultrasounds. Getting these initial steps covered can save you a significant amount of money and give you and your doctor the information you need to create a treatment plan, even if you have to pay for the next steps out of pocket.

The paperwork you'll need

To get clear answers, you’ll need to do a little digging. Start by gathering your insurance documents. You’re looking for the full plan booklet, sometimes called the "Evidence of Coverage" or "Certificate of Coverage." This is a detailed document that goes beyond the simple Summary of Benefits. You can usually find it on your insurance provider’s website or by asking your company’s HR department for a copy. This document is your best resource for finding the specific language about what is and isn’t covered. Keep it handy as you start making calls and asking questions.

What If Insurance Isn't Enough?

Finding out your insurance won't cover the full cost of IVF can feel like hitting a wall. It’s a frustrating and often heartbreaking moment in a journey that’s already full of them. But please know, this is not the end of the road. Many people find themselves in this exact position, and there are several paths forward to help manage the cost of treatment.

Think of your insurance coverage as just one piece of the financial puzzle. When that piece is smaller than you hoped, it’s time to look for others that can help complete the picture. From grants and scholarships designed specifically for fertility care to tax-advantaged savings accounts and flexible financing programs, you have options. The key is to understand what’s out there so you can build a financial plan that feels manageable and puts you back in control of your family-building journey. Let’s walk through some of the most common and effective ways to bridge the financial gap.

Alternatives to traditional insurance

When your health insurance falls short, it’s worth looking into programs designed specifically for fertility treatment. Some companies offer plans that provide financial protection if your treatment doesn't result in a successful pregnancy. These aren't traditional insurance policies but rather financial agreements that can give you peace of mind.

At Gaia, we offer refund-backed plans that do just that. If your treatment doesn't lead to a baby, you receive a refund for what you’ve paid. This approach helps remove some of the financial risk and pressure, allowing you to focus on your care without worrying that you’ll be left with nothing but bills if it doesn’t work out. It’s about giving you more chances at treatment and a safety net if things don’t go as hoped.

Finding fertility grants and scholarships

Several non-profit organizations are dedicated to helping people build their families by providing financial aid. These groups offer fertility grants and scholarships that can cover a portion or even the full cost of treatment. Organizations like Baby Quest Foundation and the Cade Foundation were created to help people afford procedures like IVF, egg freezing, and surrogacy.

The application processes can be competitive and often require detailed personal and financial information, but the potential payoff is huge. It takes time to research and apply, so it’s a good idea to start looking into these opportunities early. A grant could make a significant difference in your ability to move forward with treatment.

Tax deductions for fertility treatment

The costs associated with fertility treatment are considered medical expenses, and you may be able to deduct them on your taxes. The IRS allows you to deduct medical expenses that exceed 7.5% of your adjusted gross income (AGI). This can include payments for IVF cycles, medications, and even travel costs for medical care.

It’s a good idea to keep meticulous records of every expense, from doctor’s fees to pharmacy receipts. Because tax laws can be complex, we recommend talking to a tax professional who can give you personalized advice. They can help you understand exactly what you can deduct and ensure you get the maximum benefit you’re entitled to.

Using your FSA or HSA

If you have a Flexible Spending Account (FSA) or a Health Savings Account (HSA) through your employer, you can use these funds to pay for fertility treatments. These accounts allow you to set aside pre-tax money for qualified medical expenses, which means you’re saving money on every dollar you spend.

You can use your FSA or HSA to cover out-of-pocket costs like co-pays, deductibles, and any treatment fees that your insurance doesn’t pay for. Just be mindful of the annual contribution limits and any rules specific to your plan, like the "use it or lose it" rule for FSAs. Planning ahead can help you maximize these tax-advantaged accounts to lower your overall treatment costs.

Exploring financing programs

Financing is another way to make the cost of IVF more manageable by spreading it out over time. Many clinics offer payment plans or partner with fertility-focused lenders. However, it’s important to read the fine print. Some programs bundle multiple cycles together, which can mean paying a large sum upfront for treatments you may not end up needing.

This is where it pays to find a partner who prioritizes flexibility. At Gaia, we work with you and our partner clinics to create a plan that fits your specific situation. We’re not just here for the bill; we’re here to provide support and ensure you have a clear, pressure-free path to pay for your care on your own terms.

How to Plan for the Cost of IVF

Thinking about the cost of IVF can feel just as overwhelming as the medical side of things. But you don’t have to let the numbers intimidate you. Creating a clear financial plan can give you a sense of control and help you focus on what really matters: building your family. Breaking the process down into smaller, more manageable steps makes it much easier to see a path forward. It’s all about understanding your resources, knowing what questions to ask, and building a team to help you along the way.

Steps for financial planning

First things first: get a handle on what you’re working with. This means taking a deep dive into your insurance benefits. Start by reading your plan booklet and looking at your insurance company's website. It’s also a good idea to talk to your human resources department to get the full picture. Once you know what insurance might cover, you can start to map out the rest. Look at your savings, create a dedicated budget for treatment, and think about all the potential costs—not just the big procedures, but also medications, diagnostic tests, and even travel if your clinic is out of town. Getting organized now will save you a lot of stress later.

Building your financial timeline

IVF costs don't usually arrive as one single bill. Instead, they come in stages, and understanding this timeline can make planning much easier. You’ll likely have costs for initial consultations, then diagnostic testing, medications, and finally, the retrieval and transfer procedures. Some clinics offer “bundled plans” that require you to pay for multiple cycles upfront, which can be a huge financial commitment. It’s important to understand exactly what you’re paying for and when. At Gaia, we help you plan for treatment on your terms, so you can manage payments in a way that works for your life, without the pressure of massive upfront costs.

How to talk to your HR department

Your HR department can be a key resource, but you need to know the right questions to ask. When you meet with them, find out if your company’s health plan is “fully-insured” or “self-insured.” A fully-insured plan has to follow state laws about fertility coverage, while a self-insured plan often doesn’t. Also, ask if your company’s size affects your coverage, as some state mandates only apply to businesses with a certain number of employees. Having these specific questions ready will help you get the clear answers you need to understand your insurance coverage options.

Who to have on your support team

You don’t have to figure out the financial side of IVF alone. Your support team is crucial, and it should include people who can help with the logistics and costs. The financial coordinator at your fertility clinic is a great person to have in your corner; their job is to help patients understand billing and insurance. You can also consider working with a financial advisor who has experience with medical planning. And of course, partners like Gaia are here to be part of your team, too. We’re designed to help you make sense of the entire process, from planning and paying for treatment to offering support from a real human every step of the way.

How to Work With Your Insurance Provider

Dealing with insurance can feel like a full-time job, especially when you’re already managing the emotional and physical demands of fertility treatment. But staying organized and being proactive can make a world of difference. Think of it as advocating for yourself—a skill that will come in handy throughout your entire journey. Taking the time to understand the process, from pre-authorization to submitting a claim, can help you avoid surprise bills and ensure you’re getting the most out of your benefits. It’s all about knowing the right questions to ask and the right steps to take.

Keeping your documents organized

Before you even start treatment, get into the habit of documenting everything. Create a dedicated folder (digital or physical) for all your insurance-related paperwork. This includes your plan booklet, any letters you receive, and explanations of benefits (EOBs). Every time you call your insurance company, jot down the date, time, the name of the person you spoke with, and a summary of the conversation. You’ll want to research your benefits thoroughly by reviewing your plan documents and talking with your HR department. Having a detailed record will be your best tool if you ever need to question a decision or file an appeal.

Getting your treatment pre-authorized

Pre-authorization, sometimes called prior authorization, is a critical step. It’s when your insurance company agrees that a specific treatment or medication is medically necessary before you receive it. Many plans require pre-authorization for major procedures like IVF or egg retrieval. Skipping this step can result in a denied claim, leaving you responsible for the entire bill. When you call for pre-authorization, be sure to check the exact wording in your policy for any exclusions. If your plan says it “excludes infertility treatment and all related services,” you’ll know upfront that those services won’t be covered, which can save you a lot of time and heartache.

How to submit a claim

If your fertility clinic is in-network, they will usually submit claims to your insurance company on your behalf. If they’re out-of-network, you may have to pay upfront and submit the claim yourself for reimbursement. To do this, you’ll need to fill out a claim form from your insurer’s website and attach an itemized bill from your clinic. One key question to ask your employer is whether your plan is “fully-insured” or “self-insured.” Fully-insured plans must follow state laws, including any fertility coverage mandates. Self-insured plans are often exempt from these state laws, which can significantly impact your insurance coverage.

What to do if your claim is denied

Seeing a claim denied is disheartening, but it’s not always the end of the road. The first step is to find out why it was denied. Sometimes it’s a simple coding error from your clinic’s billing office that can be easily fixed and resubmitted. Other times, the insurer may argue the treatment wasn’t medically necessary or that you didn’t meet certain qualifications. Be aware of any specific exclusions in your policy, like those related to prior sterilizations. If you believe the denial was incorrect, you have the right to appeal the decision. This usually involves writing a formal letter explaining why you believe the service should be covered.

Double-checking your coverage

Never assume a service is covered. It’s common for insurance plans to cover the tests needed to diagnose infertility but not the actual treatments to address it. For example, your initial bloodwork and ultrasounds might be covered, but procedures like IUI or IVF may not be. Before moving forward with any part of your treatment plan, call your insurance provider to confirm coverage for that specific service. Ask for a reference number for the call, and if possible, get the confirmation in writing. This diligence can protect you from unexpected costs and help you plan your finances more effectively as you move forward.

Related Articles

• The Real Cost of IVF: A Complete Breakdown
• How to Choose an IVF Plan: A Step-by-Step Guide
• Does Insurance Cover IVF? A Complete Guide
• Affordable IVF: Your 2025 Guide to Lower Costs
• Full IVF Cycle Cost: A Complete 2025 Breakdown

Frequently Asked Questions

I'm just starting out. What's the very first thing I should do to check my IVF insurance coverage? The best place to begin is by logging into your insurance provider's website and finding your full plan document, often called a "summary of benefits" or "certificate of coverage." Use the search function (Ctrl+F) to look for keywords like "infertility," "IVF," or "assisted reproductive technology." This document is your most reliable source. After you've reviewed it, your next step should be to schedule a conversation with your company's HR department to clarify any questions.

My HR department said our plan is "self-insured." What does that actually mean for my fertility coverage? This is a really important distinction. A self-insured plan means your employer pays for medical claims directly, rather than paying a premium to an insurance company to cover its employees. Because of this, these plans are governed by federal law, not state law. This means that even if you live in a state that requires insurers to cover IVF, that law doesn't apply to a self-insured plan. Your coverage is determined entirely by what your employer chooses to include.

My plan says it covers "infertility diagnosis" but not "treatment." What's the difference? This is a common and frustrating detail in many insurance plans. "Diagnosis" typically refers to the initial tests and procedures your doctor uses to figure out the cause of infertility. This can include things like bloodwork, hormone testing, and diagnostic ultrasounds. "Treatment," on the other hand, refers to the procedures used to help you get pregnant, such as IUI or the IVF cycle itself. Many plans will pay for the diagnostic phase but leave you to cover the cost of the actual treatment.

My insurance has a lifetime maximum for IVF. How do I make sure I don't hit it unexpectedly? First, you need to get very clear on how your plan defines a "cycle." Does it count once you start medications, after the egg retrieval, or only after an embryo transfer? A canceled cycle may or may not count against your limit. You should also ask if there are separate maximums for medical procedures and for prescription medications. Keep every Explanation of Benefits (EOB) statement you receive to track what has been paid out against your maximum.

What are my options if my insurance doesn't cover enough, or if I don't have any coverage at all? Finding out your coverage is limited is disheartening, but it's not the end of the road. Many people look into fertility grants and scholarships from non-profit organizations, which can help cover costs. You can also use pre-tax funds from an HSA or FSA account. Additionally, there are financial partners, like Gaia, that offer different ways to pay for care, including refund-backed plans that provide a financial safety net if your treatment is unsuccessful.