Should the state provide funding for IVF treatment to couples who are unable to conceive naturally?
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.
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.
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.
“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.
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
- 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
- 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
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.
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.
Learn more about Fertility Medical Loan please follow the link for detailed information.