Which Insurance Covers IVF | New Insurance plan for IVF


Which Insurance Covers IVF | New Insurance plan for IVF

Which insurance covers IVF? Maybe this is your question; I’ll be telling you some insurance company that covers IVF. I believe most of you might want to start a fertility treatment but worried about your financial commitment.

which insurance covers IVF

You don’t need to worry because as you read on you’ll understand some of the insurance company that can cover your IVF insurance. Have it I mind that while you want the best insurance coverage, you’ll also get all kind of coverage you might need.

It’s always advisable to make an appointment with a fertility doctor during your first consultation before you can switch out of your current insurance plan. Most times, some fertility clinics will try to collect your health information about your previous medical testing.

The reason for this submission is because your doctor can prepare you and refer you to the best treatment that’s suitable for you. Before your next visit, the doctor most have prepared and your health information and get it ready.

After your first hospital visit, you’ll understand the type of benefits that’ll be better for you. However, you can begin the hunt for a new plan during open enrollment.

Which Insurance covers IVF

There are so many insurance plans that cover IVF. In case you’re looking for insurance plan that’ll help you cover your bills then you’ll see some of it in this article. Some of these insurance plans are;

Aetna PPO



Blue choice, you can also call it blue option PPO


Blue cross PPO
Cigna PPO



Humana PPO



Optum Health, this is formerly known as United Resource Network All plans
Progyny All plans
United Healthcare PPO



IVF treatment is covered by insurance. It’s common to see health insurance that have up to $10,000 and $25,00o as a life time max. This is simply the potential cost for insurance carrier.

Most time IVF ovarian Stimulation is covered but all of the more expensive IVF codes are not covered. Maybe you’re hearing about IVF for the first time; let me bring to your knowledge what it is.

IVF also means In Vitro Fertilization. However, IVF is a type of assistive reproductive technology. This involves retrieving eggs from a lady’s or woman’s ovaries and fertilize them with sperm.

The eggs from a woman’s ovaries is called embryo. Most times, the woman’s ovaries and fertilized egg can be frozen for storage or it’ll be transferred to a woman’s uterus. IVF can use the following;

  • Donated embryos
  • Donor eggs and donor sperm
  • Your egg and your partner’s sperm
  • Your egg and donor sperm
  • Donor egg and your partner’s sperm.

Most times your doctor can also implant embryos in a surrogate or in a gestational carrier.

The reason for IVF

IVF has helped so many persons, mostly those who are expecting a baby. It’s now a common way of treating fertility problem. The information below is the reason why most people do IVF.

  • Because of male infertility for example, low sperm count, abnormalities in sperm shape.
  • Endometriosis
  • Uterine Fibroids
  • Reduced fertility in women who are up to the age of 40 and above
  • Because of blocked or damaged fallopian tubes
  • Because of reduced Ovarian functions
  • Finally, unexplained infertility

These are the reason why people do IVF.

How IVF is been Performed

Since you’ve known the reason people do IVF, let me also tell you how IVF can be performed.

  • Through Stimulation
  • Through egg retrieval
  • By insemination
  • By embryo culture
  • Through transfer.

Through Stimulation

During every menstrual cycle of a woman, they normally produce one egg. However, IVF requires multiple productions. The use of multiple eggs increases the chance of developing a viable embryo.

Everyone aspiring to obtain IVF will be given a drug that’ll increase the number of drugs the woman’s body will produce. When the drug has been given, your doctor will perform constant blood tests and ultrasound to check and monitor the egg production.

Through Egg Retrieval

In this process, your doctor will use an ultrasound wand to guide a needle through your vagina, your ovary, and into an egg containing follicle. This needle will suction eggs and fluid out of the follicle.

By Insemination

This involves the male partner bringing his semen sample to the doctor. A technician who is in charge in the lab will mix the sperm with the eggs in a petri dish. If the process doesn’t produce embryos that mean the doctor will then use ICSI.

By Embryo Culture

In this process, the doctor will monitor the fertilized eggs to make sure they’re dividing and developing. However, the embryo will undergo testing for genetic conditions.

Through Transfer

This is the final step of IVF, when the embryos are big, it can be implanted. And this usually occurs three to five days after the fertilization.

However, implantation involves inserting a thin tube which is called catheter, which will be inserted in the vagina, cervix, and also into the uterus. Finally, your doctor will now release the embryo into your uterus.

Finally, because of the processes listed in this article, it made IVF not to be affordable to some people. And this is the reason why some insurance company has decided offer IVF insurance to some people who can’t afford it. I believe I’m able to answer your questions in this article. Thanks for reading, Hope you use this information well.


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