treatment has great potential for squandering some of your most precious resources-money, time, and peace of mind. Before you start infertility treatment, decide how much money, time, and emotional energy you can afford to spend on infertility treatment. Take control of a process that can so easily take control of you.
What your insurance coverage will pay for. Be aware of all exclusions in your policy.
How much money you can afford to spend on treatment as well as pregnancy, delivery, and infant health care. A financial planner may be of help.
What various treatments cost, and what hidden costs, such as medicines or routine testing, aren't included in a clinic's fee schedule. In the United States, in vitro fertilization typically costs $10,000 to $15,000 for each attempt.
Some clinics offer creative financing for infertility treatment, which may or may not be right for you. See the RESOLVE: The National Infertility Association website at www.resolve.org for information on financing infertility treatment.
Before you start infertility treatment, plan how long you each envision trying to conceive with medical help. Talk to your doctor ahead of time about what is a reasonable period of time to try treatment for your specific condition. Whether you decide "no more than 4 months and then we stop treatment and start an adoption process" or "we'll try as long as it takes," set definite time points when you and your partner will evaluate your prognosis and progress. Anticipate that you might want to take periodic breaks from treatment, which can become all-consuming and difficult.
Ideally your doctor will help you stop and assess your plan and options at each step of the way. If you feel that you are being pushed to make decisions without enough information or support from your doctor, think about finding another doctor.
ByHealthwise Staff Primary Medical ReviewerKathleen Romito, MD - Family Medicine Adam Husney, MD - Family Medicine Specialist Medical ReviewerFemi Olatunbosun, MB, FRCSC, FACOG - Obstetrics and Gynecology, Reproductive Endocrinology
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.
Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details