Affording care
A little bit of information can go a long way while navigating fertility care costs
20 states have laws that either require employer-based fertility coverage or require an option for coverage.
US fertility insurance coverage (as of June 2022)
You can find summaries of state insurance laws here.
States with infertility insurance laws
Let’s talk about health accounts like FSA, HSA, and HRA
Your employer may offer special accounts to help you save on annual medical costs including fertility treatment.
- A flexible-spending account (FSA) is a healthcare benefit that allows employees to set aside money for qualified medical expenses. FSA is a lot like a savings account but for qualified health-related costs.
- A health savings account (HSA) is similar to an FSA and is also like a savings account for healthcare costs. There is one key difference: HSA accounts are typically available to people with a high-deductible insurance plan.
- Health reimbursement arrangements (HRAs) are employer-funded group health plans. Employers are reimbursed tax-free if they pay for certain employee medical expenses up to a fixed dollar amount per year.
Let’s talk about your options when your procedure is covered but your medications are not
Your insurance may cover all or part of your treatment. If your medication is not covered, a specialty pharmacy that carries fertility medications may be able to help.
- Specialty pharmacies are different from traditional pharmacies.
- Specialty pharmacies provide medications to treat highly specific and complex health needs, such as infertility issues.
- Some specialty pharmacies offer patient assistance programs for infertility treatments.
- Specialty pharmacies may partner with drug manufacturers to help provide discounts for specific fertility drugs to certain eligible patients.
In your path forward, you may consider medical loans, grants, third-party lending, or credit lines. Make sure to speak to your fertility team to discuss financing options.
Download questions for your employer and your
insurance provider as a printable worksheet
