Assisted reproduction technology (ART) describes medical treatments and processes that aid conception. ART is composed of many forms of reproduction technology, but the most well-known is in vitro fertilization (IVF).

IVF is a top reproduction treatment for individuals and partners seeking to conceive. Still, cost remains a deterrent for many people: IVF isn’t cheap. (One cycle averages $12,000.) The good news is that IVF is more accessible than ever before, including financially.

Medical insurance

Most insurance companies do not consider IVF treatments medically necessary and do not cover them. However, some states require insurance carriers to include coverage for IVF treatments.

Insurance companies that include coverage for IVF are Cigna, Blue Cross Blue Shield and Aetna. (If you have one of these carriers, check with your plan to see specific IVF coverage.) Some states mandate insurers to