- IUI—Does your health insurance and/or fertility benefits cover intrauterine insemination? Does the plan require a certain number of attempts at IUI before you can move on to IVF?
- IVF—Does your plan cover IVF treatment? What is the maximum dollar amount it will cover? How many IVF cycles?
- Donor egg—Is egg donation covered?
- Donor sperm—Lesbian couples and some heterosexual couples will need donor sperm to conceive. Does your plan pay for that?
- Gestational surrogacy—Is the use of a gestational surrogate to carry the baby covered by the plan? This is especially important for male same-sex couples who want to have a genetic child, as well as women who are unable to carry a baby to term.
- Fertility medications—These medications are essential to IVF treatment and can run from $2,000 – $10,000 per IVF cycle. Does your plan include them?
- Office visits and lab tests—These may be covered by your plan, even if it does not include IVF treatment.
- Adoption—What if fertility treatment doesn’t work for you, or you decide not to pursue it, but you still want a family? Adoption can be a good answer for many people who can open their homes and their hearts to a child. Does your plan cover adoption costs?
- Managed benefits—Managed family building benefits include a nurse manager who helps you navigate through fertility treatment, choosing the most effective options. Does your plan offer this?
- Inclusive benefits—Does your company support the family building needs of LGBTQ+ employees? What they can offer may be affected by your state’s laws, which vary widely from state to state.
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