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Chief
It’s very specific to your insurance coverage and fertility caps. My insurance covered most things, but I learned (too late) that I should have been buying my meds OOP (because the fertility pharmacies will bill full price to your insurance, but if you are OOP charge you far less) and then submitting those receipts to insurance for reimbursement (thus reducing the amount going to my fertility allowance cap). It is very dependent on your insurance coverage.
I agree with the above. I think you need to look into what the OOP expense would be for parts of the treatment (Clinic fees vs. genetic testing vs. meds) vs. what the insurance coverage will look like. It can depend state-by-state and is fairly complex. It’s worth having the conversation with your clinic. If you do go the OOP route, most clinics offer financing to break it down the treatment cost ($15- $20k) into smaller monthly payments where you can pay it off over a 24 - 84 month period.
Chief
Agree. I would add, as a general rule, most insurance is unlikely to cover ERA, genetic screening, PGT testing, storage. Basically anything “extra”.
Pro
There are SO MANY services involved in IVF I can’t imagine it being cheaper to go fully out of pocket.
I have no fertility coverage and Paid OOP for everything. It’s not.