Making a fertility treatment game plan part - Financial planning

Another important part of fertility treatments to plan for is the cost. If you have a partner it helps to discuss this ahead of time to reduce stress later.

Some health insurance companies either partially or fully cover fertility treatments, unfortunately most do not. Even if you your insurance does cover fertility treatments you probably will want to plan ahead financially anyway in case of a change of coverage or if you need other unforeseen treatments or interventions.

For me the fist step is to find out how much out of pocket treatments cost. I usually ask them to round up a little. It can be difficult to get exact numbers because every hospital/office/clinic/pharmacy charges are different. The first few people you talk to might not know and you may have to ask for the contact information of the business office or billing department. Prices of treatments, procedures, and medications vary a lot depending on where you are, what treatments you are undergoing and the medications needed. You might also need to factor in travel experiences and time off work into your budget.

The next thing to do was decide how we were going to pay. We choose to save up and pay all upfront when we had each procedure, but some clinic do have financing programs or let you spread out payments over several months.

Does the fertility clinic you are going to have payment options? Are you willing to take out a personal loan for treatments or would you rather save up and pay for them that way? [Glow Fertility Program can help]