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Archive for the ‘infertility insurance’ tag

Companies That May Cover IVF, Infertility Treatment, and/or Adoption Costs

By Tracey Minella

September 18th, 2015 at 9:28 am


Credit: Stuart Miles/

Can I get a show of hands of people who need IVF but don’t have medical insurance that covers it?

Well, misery loves company and you’ve got lots of it. But that’s no comfort when you’d give anything to have infertility insurance.

If you’re tired of working two jobs, forgoing vacations, and maxing out credit cards to finance your fertility treatments… while the rest of the fertile world is off at Disneyland with their brood… I’ve got a great little resource for you.

Here is a comprehensive, alphabetically-organized list of companies that may offer coverage for infertility and/or adoption costs* according to The International Council on Infertility Information Dissemination, Inc.’s website. Not only that, but it provides details about the purported amounts and particular treatments covered.

If you would consider a job move or career change in exchange for the potential to have your infertility treatments covered, grab a cup of coffee… and start updating that resume.

Good luck!

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Would you consider changing your job if you got infertility benefits?


* LIIVF makes no representations about the accuracy of any information in this list and provides it for informational purposes only.


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Long Island IVF’s Personal Financial Counselor and Payment Options

By Tracey Minella

February 17th, 2013 at 4:45 pm

credit: stuart miles/

For many couples, understanding their infertility diagnosis and treatment options is challenging.  But that can pale in comparison to navigating the financial maze of infertility insurance and payment options for self-pay patients.

Imagine finding out on the day before your retrieval that the IVF cycle you thought was covered, actually isn’t? Fortunately, Long Island IVF can help you avoid such nightmares.

At Long Island IVF, every patient is assigned a “Personal Financial Counselor” that stays with you every step of the way… from the first day you walk through our doors until you’re returned to the care of your OB/GYN. This knowledgeable specialist is a valuable part of your personal treatment team during your time with us.

Your Personal Financial Counselor will act as the liaison between you and your insurance company and help ensure that you know the maximum benefits you may be entitled to for your infertility treatment. She can help explain your coverage, including pre-authorizations, co-pays, doctor referral requirements, and exclusions, if any, before your treatment begins.

Having a Personal Financial Counselor means there will be one specific and knowledgeable person who has your financial back on this journey…freeing you from the frustration of having to explain your whole situation over and over to whoever happens to pick up the phone whenever you call with a question.

Your Personal Financial Counselor can explain monetary or treatment-specific limitations in your policy right upfront when you become a new patient, so you can factor them in when discussing your treatment plan with your doctor. For example, if your plan covers IVF but has a monetary limit, it might affect how many IUIs you’ll want to do before moving on to IVF.

Your Personal Financial Counselor can also advise you about Long Island IVF’s many payment options. There are several different “Self Pay Case Rates” or programs offering bundled services for virtually every treatment protocol,

Long Island IVF also offers two different grant programs to help patients afford IVF treatment: the “IVF Grant” program and the New York State Department of Health, or “DOH Grant” program  You can also reduce your costs if Micro-IVF is appropriate for you

Another financial option available to Long Island IVF patients is the “IVF Refund Program”. Also known as the “IVF Financial Share Program”, this program includes up to three (3) fresh IVF and up to three (3) Frozen Embryo Transfer cycles until a live birth is achieved. If you do not give birth, you receive 70% of your fees for the Program refunded to you. For more information about this program, which is administered through In Vitro Sciences, speak to your Personal Financial Counselor or call In Vitro Sciences directly at (877) 678-1999 to see if you meet the clinical and age criteria.

Don’t let your fear or confusion over the financial issues paralyze you from moving forward with your treatment. Let your Personal Financial Counselor explain and help you maximize any medical benefits, or direct you to the best available Long Island IVF  case rate program, grant, or financial refund program possible.

Having a Personal Financial Counselor will allow you to focus only on your medical treatment… and reducing stress can only benefit your treatment outcome.

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What is the single biggest obstacle impacting your infertility treatment plan?

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Stop the Infertility Insanity!

By Tracey Minella

February 17th, 2011 at 12:00 am

The definition of insanity is doing the same thing over and over and expecting a different result. Are you doing that with your infertility treatment? Are you gearing up for your 15th IUI?  If so, maybe it’s time to shake things up a bit. Maybe move on to a new approach or technique. Time to stop the insanity.

Listen, if any one is entitled to be crazy, it’s a woman struggling with infertility. The fear of possibly not being able to have a biological child and the frustration over the lack of control and the costs associated with infertility treatment is maddening. And let’s not even talk about the havoc the friggin drugs wreak…

Your infertility journey is a series of steps, each one moving you further along to the goal of a healthy pregnancy. The key is not to spend too much time on one level if you are not successful. Be willing to move forward. You must face that at some point, the basal thermometer and ovulation kit goes in the drawer. Clomid may give way to injectables. Repeated IUIs without success should lead to IVF. And repeated IVF failures should lead to changes in the IVF protocol. Stop doing the same thing over and over.

So, how do you know when to move on?

First, you need to educate yourself on the medical aspects of your infertility treatment. Listen to and understand your diagnosis. Ask questions and do some research. Know your options and your odds for success doing each type of possible procedure. Don’t be afraid to talk to your fertility doctor. I can’t tell you how many times I’ve heard patients say they freeze up or forget to ask their questions. Or that they just blindly do as they are told. You won’t offend the doctor by asking questions. And if you do, he’s the wrong doctor. Think things out, write down questions, and take notes when you meet with the doctor. Remember, you are a team.

Second, you should understand the financial aspects of infertility treatment. Learn about what your insurance plan will or will not cover as far as medication and treatment options. Ask your clinic about grants to help off-set expenses. Do this early as there may be a waiting list. Reputable clinics will have billing and grant specialists who can help you navigate this frustrating and stressful part of the process. And less stress is best. You don’t want to waste your entire infertility budget on 12 IUI’s and have nothing left for IVF, with its higher cost, but higher success rates. It’s easy to say “just one more cycle” and then lose track of how fast time and money has flown.

Next, have a heart to heart talk with your partner. Better yet, have many. Keep the communication lines open about what you both want as a couple. One of you may want to move at a faster pace than the other or may be against even doing certain procedures. Plus, feelings change from cycle to cycle, so keep talking to each other. The last thing you need is for you to run out of the emotional or financial stamina before even getting to IVF. Take advantage of your practice’s support groups.

Finally, you need decide if you’re even in the right infertility practice. That’s a tough one because it’s unbearably hard to face the fact that you may’ve chosen the wrong clinic to begin with. And to admit that you wasted precious time and money. But if you don’t face that hard truth, and you stay there, things will likely only get worse.

(Next week, I will address the things to consider when choosing the right infertility practice, so be sure to check back!)

Are you an active partner in your infertility plan? Do you have tips to share for fellow patients who are reluctant to speak up? Or do you think the doctor knows best and the patient should just listen?

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The Intersection of IUI Road and IVF Blvd.

By Tracey Minella

February 8th, 2011 at 12:00 am

All infertile women are on a journey. For some, the road is long and winding. And along the way, there are twists and turns and decisions to make. Make a right? A left? A U-turn? Pull over?

We all feel lost somewhere along the journey. A common problem spot is often at the point where a patient ventured into IUI territory without success and now wonders whether to move in a different direction, like IVF or micro-IVF, or stay the course with IUIs.

Dr. David Kreiner of East Coast Fertility gives valuable insight on how to handle this tough question if you find yourself at that particular crossroads:

Wantababy asked: iui versus micro ivf versus IVF:

I had three negative IUI cycles. I was on clomid and ovidril which produced ample follicles. IVF is not covered under our insurance and 12,000.00 with no guarantee is very expensive. Is micro-ivf advisable? Is it advisable to do a fourth IUI which is covered under insurance? i had been going for acupuncture which I didn’t do for the first three IUI cycles.

Dr. Kreiner (The FertilityDoc) replied:

I prefer to have entire history which would influence my decision. Issues such as your age, duration of infertility, cause of infertility, your antral follicles count, AMH, day 3 E2, FSH all play a role. Personally, I weigh heavily a covered cycle vs. having to pay for uncovered cycle but at some point it does make sense to move to more aggressive treatment.

MicroIVF in general has about 3 times the success of an IUI and costs 3900. Some groups, age, diagnosis do better with MicroIVF than others.

In addition, we do have income based grants and a study which will significantly lessen the cost of a full stimulation IVF. If you prefer to discuss your personal situation directly email me at or call 516-939-2229 for a consultation. Free consultations are available if you are not covered by insurance.

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