Uncovered: Insurance Coverage for Fertility Treatment in the United States

Financial and medical issues surrounding insurance coverage for fertility treatments

Infertility is hard: socially, emotionally, physically and, for a lot of people, financially. Although infertility is a medical condition, most couples do not have insurance coverage for fertility treatment. In fact, only 15 states have mandated insurance coverage for infertility treatment and Colorado is not one of them. Infertility treatments are expensive and many couples need several cycles of treatment prior to conceiving. Financial strain is a major reason for patients to discontinue treatment prior to achieving pregnancy.

In addition to financial issues, there are medical issues to consider as well. Although twins are often considered a positive outcome for patients, twin pregnancies carry greater risk for moms and babies than singleton pregnancies. Insurance coverage for fertility care likely results in safer practices (fewer embryos transferred during in vitro fertilization, or IVF, resulting in fewer multiple pregnancies). It also allows more patients to undergo the most successful therapy (IVF) while bypassing injectable medications, which result in the most multiple pregnancies. The American Society of Reproductive Medicine recently came out with new policy recommendations on multiple births.

What is Advanced Reproductive Medicine doing on these issues?

We are aware that cost is a major factor in ability to seek and continue treatment. Because of that, we strive to make our treatments as affordable as possible and we partner with ARC Fertility Financing to give patients further resources to afford treatment.

What can you do to advocate for additional fertility treatment coverage?

Find out about state and federal legislation that could impact fertility care. Send letters of support to your congress person—I did!

What the research says

Expanding insurance coverage for elective single-embryo transfer during IVF could lead to improved health outcomes and lower health care costs. The Research covers nearly a decade of national data and shows that eSET is more likely with insurance coverage for infertility treatment and most often results in the ideal pregnancy outcome – a single, full-term baby of normal birth weight.