When people dream of expanding their families, their first thought is that it’s going to be an easy road. They’ll get pregnant within a few months and then 9 months later they will hold their baby in their arms. When things don’t go as planned, sometimes it takes the help of a fertility specialist to help couples realize their dreams of parenthood.
Fertility treatments, while a great solution, can come with a big price tag. Depending on the underlying issues, couples may even need IVF treatments that are very expensive. However, nowadays there are many financing options available to help ease the financial burden that comes with pursing parenthood through fertility treatments. Here are some of the options.
Check Your Insurance for a Fertility Specialist Coverage
Many insurance plans, unfortunately, do not cover fertility treatments. However, there are exceptions to the rule. Start by looking for a fertility specialist in Frisco, Dallas, or a city near you. Then, check your insurance coverage to see if they are in the network.
Next look for any exclusions or exceptions. Some companies will cover specific treatments, diagnostic tests, and medications, and others will even pay for part of the cost of transfer in IVF. It’s important to learn about all the distinctions in your policy so that you can be prepared if the insurance company tries to deny your claim.
Out-of-Pocket Costs for Fertility
When your insurance won’t cover everything, you’ll need to know about all the costs associated with getting fertility care. A fertility specialist in Frisco would be used to working with people who pay for every out-of-pocket and will likely have a breakdown of all the costs. Different procedures will have distinct pricing attached to them.
You may qualify for multi-cycle discounts if you use the fertility services at a particular clinic more than once, either to have more than one child or because the first round doesn’t work. These discounts can be significant and lead to big savings down the road. You can even ask about refunds or try and negotiate costs.
Leverage the Power of Crowdfunding
Even if your insurance covers a small portion of your fertility treatments, the costs remaining can be very high. Thankfully, many people who know and love you may want to help you become parents. Crowdfunding platforms have become a viable option for many medical needs, fertility included.
These platforms allow you to create a fundraising campaign for your fertility needs. Friends, family, and even strangers can all pitch in a little to help cover those big expenses. You can even give your backers updates so they can stay in the loop. By telling your story, and being honest and vulnerable, you can connect with people who are happy to help.
Beyond insurance and crowdfunding, you may have the option with a fertility specialist in Frisco, Fort Worth, or a city closer to you to get a fertility loan or go on a payment plan. Many lenders offer fertility loans to help with the price of getting help so you can get pregnant. Financing your fertility journey may seem like a challenge, but there are great solutions available to you if you ask the right questions.