Infertility treatments not covered by your insurance? There are many ways to get back at them.

No, this post does not tell you how you can fund your Infertility Treatment. What it does tell you is how you can maximize the use of your insurance!

A Little Background…
Our health insurance provider is United Health Care (UHC) from DH’s job. It does have Infertility DIAGNOSIS coverage but does NOT have Infertility TREATMENT coverage.

UHC also offers discounted services through their Extra Benefits programs such as Parent Steps for Infertility Clinics. The good news is that CCRM is one of the included providers. The bad news DH’s big company has not availed of Parent Steps as an Extra Benefit.

Well, I was not going to stop there… I’ve spent almost $6K on medical expenses already this year, there must be something that the insurance company can do for me…

I have met my Deductible ($250) and Out-of-Pocket (OOP, $1500) max expenses for the year since as early as February. So, I called the insurance’s 1-800 number and found out that my co-pays count towards my OOP for the Chiropractor and for Acupuncture.

So that meant that once I have reached my OOP, I do not need to do co-pay anymore. That meant that for the rest of the year, I can go to the Chiropractor and the Acupuncturist for FREE!!! Woo hoo!

Well, at most 20 visits per year. But there is just about 10 more weeks until yearend, so I think the rest of the year is covered.

So, if you have met your Deductible and Out-of-Pocket expenses, go get yourself a Chiropractor and an Acupuncturist!

How much have you spent for your infertility treatments? I imagine that we all start out thinking “whatever the cost”. As women though, we do worry and obsess about the financial cost of our infertility treatments. For some of us, it can be a real financial burden.

I did an analysis of just this year’s cost of our infertility treatments. For half the year, we now have spent about $4,500 since we started with our new Reproductive Endocrinologist due to our relocation. That was the price for infertility baselining, laparoscopy, 2 clomid cycles and 1 follistim cycle. Check out the Cost page for the detailed breakdown of our expenses so far for our infertility treatments.

With half a year to go and no baby yet, we will probably be incurring at least $3000 more for 1 IUI cycle. If we need to go beyond that - whether another IUI cycle or graduate to the more expensive IVF treatment, obviously the infertility treatments is going to cost even more. Oh my!

Will you share how much you have spent already for your fertility treatments and how you coped with it?