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Should the state provide funding for IVF treatment to couples who are unable to conceive naturally?

This is a controversial question and you can easily find pros as you can find cons to it. In this article we will focus on which states offer IVF funding and if there are any organizations that cover the cost of IVF.

In Vitro Fertilization (IVF) is a medical procedure to assist infertile couples to conceive children. The process contains fertilizing egg cells with sperm outside the womb (in vitro) and transfers the fertilized egg into the biological mother’s womb or the womb of a surrogate.

Pregnancy rates are around 35% under IVF treatment. Due to low success rate, couples have to go through several cycles before successfully getting a baby. Therefore the cost of IVF is so high. The cost of IVF overall per baby can range from $40,000 in USA to $24,000 in Scandinavia and Japan. Belgium, Sweden, Australia and Israel provide funding for several cycles of IVF. UK’s NHS offers funding for one cycle.

The fist “test-tube” baby was born in 1978. Since then IVF gave people hope where hope never existed. That hope comes with a price and for some it never works. According to Beverly Hanck from Infertility Awareness Association of Canada, 3 attempts is average and 6 is not common.

Due to many reasons, among which our nowadays lifestyle, one in six couples experience infertility. The World Health Organization calls infertility a disease. Therefore many organizations consider that since it is a disease infertility treatment must be made available as a funded service. However not many states offer funding.

It may seem like a dead end but there are ways to get IVF funding.

Some states provide IVF funding for couples who are experiencing infertility problems but cannot afford the treatment. Since 1980 14 states require insurance companies to cover or offer coverage for infertility diagnosis and treatment: Arkansas, California, Connecticut, Hawaii, Illinois, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas and West Virginia.

In case you live in a state that does not offer IVF funding, you may take part in clinical research. A lot is still unknown about IVF so this will help the technology to advance. Research might only consist in some blood tests or questionnaires but it can also contain taking drugs so you have to take some possible risk in consideration.

In case taking part in a research is not appealing, there are other ways to get IVF funding such as shared IVF cycle. This means that you will donate some of the eggs you produce to a couple who cannot produce them. In this way you will receive half of the costs back in compensation for donating your eggs.

Another possibility to get funding is to apply for a health care or bank loan. You should take in consideration the cost that can get quite high in case you would need to undergo more than one cycle.

There are out there some organizations that provide grants and scholarships for infertility treatment based on reason, financial statement and insurance coverage. Some of those organizations are:

• Fertile Dreams IVF Scholarship: offers 3 scholarships for 3 couple per year worth $10,000 each to cover the cost of IVF. The applicants have to fill out an application, write a letter with their infertility history, provide a letter of recommendation from their doctor, be under 40 years old, have health insurance that covers pregnancy and supply financial data. Couples of same sex are eligible with proof of relationship stability. Single women are eligible if they supply details about their financial possibility to take care of a child alone.
• International Council for Infertility Information Dissemination Scholarship (INCIID): offers one IVF cycle to couples that qualify based on financial need as well as medical need. Applicants have to offer letter of recommendation from their doctor and should be member of INCIID donating at least $55 per year.
• Cade Foundation Grant: offers grants up to $10,000 for infertility or domestic adoption. Applicants must fill out an application, be USA citizen and live in the USA, provide documented proof of their infertility and pay a $40 fee.
• New York State IVF Grant: covers up to 2 IVF cycles and it is for New York residents only that are between 21 and 44 years old, have private insurance and make less than $195,000 per year. In case the couple has low likelihood of success (abnormal FSH levels, 3 or more failed IVF cycles, IVF cycles canceled due to poor response), they will not be offered any grant.
• East Coast Fertility IVF Grant: provides funding to applicants from USA who have to fill out an application and follow an interview with ECF.
• Bringing U Maternal Paternal Success (BUMPS): helps couple who have problems in conceiving. Selection is based on applicant’s circumstances, fertility history, financial situation, etc. Couples with no children have priority.
• Fertile Dreams –The embracing Hope Grant: offers IVF funding to couple that have medical insurance but does not cover for fertility treatment. Offers grants of $10,000 that can be used for IVF cycle in any fertility clinic in USA. Applicants have to supply proof of income and have to give the organization full rights to share their story.
• Pay it Forward Fertility Foundation: offers one grant annually to couples that are uninsured for infertility treatments. The treatment has to be done by a clinic that is a member of the Society for Assisted Reproductive Technology and located in North Carolina.

To find out what kind of insurance coverage you have, you might have to talk to your employer or your insurance company. Tips in what kind of questions you should ask your employer are: does your current health plan cover infertility treatment; is there any other plan that provides benefits for infertility treatment and what will be the difference in cost; does your health plan has any restrictions to the benefits they pay for infertility treatments; what is the waiting period required before you can start your treatment.

Tips in what questions you should ask your insurance company are: what are the infertility benefits in your plan; what is excluded; are there age limits; does your health plan cover infertility diagnosis, treatments and drug therapies; does your plan cover lab and blood work, progesterone and estrogen levels, FSH, LH, TSH, semen analysis, endometrial biopsy, HSG, ultrasound; does your plan cover infertility drugs such as: clomiphene citrate, gonadotropin releasing hormone antagonists, HMG, HCG, FSH; do you have to use a specific pharmacy; what type of infertility treatments are covered: IUI, IVF, GIFT, ZIFT, ICSI; are you restricted to certain clinics; which hospitals are affiliated with your plan; are you restricted to certain specialists.

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Having a child is one of the most emotionally exciting experiences in one’s life. While being one of the happiest moments, it also carries one of the most serious responsibilities a couple will endure during their entire lives. It will increase the bond, love, and the connection between a couple while building a new member of the family. Even as anxious as a couple might be to have a child, they may be experiencing health factors that are hindering their ability to conceive a baby naturally on their own. These factors could include, infertility, physical abnormalities or disabilities, or same-sex couples.

There are 4 types of surrogacy options;

Traditional surrogacy is where the surrogate mother is also the genetic mother to the baby. The child may be conceived naturally or impregnated by fertility methods of IUI (intrauterine insemination), or ICI (intracervical insemination) performed by infertility doctors at a certified infertility clinic.

Gestational surrogacy is when a surrogate mother has an embryo transferred to her uterus to which she has no genetic relationship.

Commercial surrogacy is when the surrogate mother receives compensation for carrying and delivering the child.

Altruistic surrogacy is where a woman agrees, for no financial gain, to become pregnant and bear a child for another person or persons to whom she intends to transfer the child’s care at, or shortly after, the child’s birth.

There are many factors for infertility. There are male infertility factors and female infertility factors.. These reasons can be related to the fertilization process or the mother incapable of carrying the baby to full term. Adoption can provide an alternative in these cases, yet most couples prefer to have a child who is genetically related to them, thus surrogacy becomes the option. In the last decades, it has become possible to have a child regardless of the medical condition that is causing the infertility. If the mother is unable to carry the embryo they can choose to have IVF (in vitro fertilization), and find a surrogate mother which will provide the uterus for the embryo, and carry the baby to birth.

Even though this is a perfect solution for a couple building their family, there are many hidden pitfalls in the process and the couple needs to cover all the grounds making sure that this beautiful journey does not turn into despair.

The initial pitfall begins with finding a surrogate mother. She is the mother that will carry the couple’s baby for 9 months. During this process, there are many risks that need to be considered to make sure everything goes smoothly for your child.

Here are 10 tips for couples that are looking for a surrogate mother:

1. Seek professional help: There is a vast amount of information on the Internet, this will only help you become aware as an intended parent. Educating yourself through the Internet will not make you an expert in the surrogacy field but will help you connect, and relate with others who are experiencing similar struggles. Empowering your self with knowing your surrogacy options will help in your decision-making process.

Having a child via surrogacy is a step in your life in which you can’t leave yourself vulnerable to the system or find yourself in a position where it is too late to turn back. A knowledgeable surrogacy agency will have the know-how to educate and protect you throughout your surrogacy experience.

2. Check criminal background of the surrogate candidate extensively: You cannot trust your baby to a person with a criminal background. It is a risk you cannot take. Get information and references about the mother that you have chosen. Dig deep into their life. After all,a person who has nothing to hide, will not hesitate to provide you any necessary information about themselves. You must feel comfortable and trust the surrogate mother.

3. Select a surrogate who is mentally stable: It is not easy to determine if someone is psychologically stable with only a few meetings. Try your best to assure that she is mentally sound, has support from her family, and will stay psychologically stable throughout the pregnancy. If you choose to interview the surrogate yourself rather than a professional, check reputable sources for possible mental evaluation questions to ask.

4. Choose gestational surrogacy: Even if traditional surrogacy arrangements are legal in your state, still choose to proceed with gestational surrogacy. In traditional surrogacy the surrogate mother is also the egg donor, which means that she is actually giving birth to her own child. This causes multiple problems on the psychological side, making it harder for the surrogate mother to let go of her child. And of course in addition there may be legal problems where the decision of the courts may be inclined towards the natural mother in case she insists on keeping the child.

5. Stay in constant communication with the surrogate mother: After the agreement, stay in constant contact (at least twice a month or more) to make sure you have empathy for each other during the surrogacy. After all this woman will be giving birth to your child, you should make sure that everything goes smoothly for both of you and your expectations are the same.

6. Make sure she is financially secure: If she is not financially secure, she will be dependent on your payment, and this may be the main motivation behind her choosing to become a surrogate. This should not be the main motive. The surrogate mothers main motives should simply be being happy to give birth and create a happy family for someone else. She has agreed to go through the birthing process simply because she understands your deep desire to have a child. If the surrogate mother only looks at this process from a commercial angel, and then she may conceal important information that might change your mind. Granted most surrogate mothers are compensated after the successful birth of the baby but each situation and agreement differs.

7. Do not choose a surrogate who is not already had a baby: Choosing a surrogate who has never given birth or who has never raised a child is a risky situation that you should not take. From start to finish, you are going to spend around a year together in the surrogacy process, someone who is not experienced with pregnancy might not be aware of the commitment and difficulties of childbirth.

8. Check past medical records: Ask for medical records of the surrogate mother, from a doctor or clinic that you trust. Try to check for any complications that may have developed with any past pregnancies. You would not want to repeat any complications that might occur again, if they are health related.. Do not be content with medical records that the surrogate mother has supplied. Ask her to visit a doctor of your choice for a complete health and medical check-up.

9. Make aware of your legal rights: Try to make sure you are covered as much as possible legally for the case that anything goes wrong in the process. Surrogacy is a very difficult process from start to finish. It’s best to seek professional help like a reputable surrogacy agency, lawyers, and individuals who know the adoption rules of the particular country where your surrogate mother is located. Unless you have dealt with hundreds of surrogacy arrangements before, it is not possible for you to figure out all the variables that can go wrong. Even one mistake can risk you being unable to register as a legal guardian of your baby.

10. Talk in-depth with your surrogate ahead of time: Talk extensively with the surrogate mother about what can go wrong. Try to change her mind about being a surrogate. This is not a joke, and you must make sure that she also perceives it the same way as you do. Especially young first time surrogate mothers are not totally aware of the conditions that they are accepting. Be sure that your surrogate is the decision maker and that there are not any individuals forcing them to be a surrogate mother for money. Are they willing to go for a bed-rest or stay in hospital for months if complications occur? Do they understand that they will have to abort in case of extreme situations even if they prefer not to? Are they fully aware of the emotional trauma they might endure while giving up the baby? Talking before will help make sure you will not face serious consequences if something does go wrong.

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