The steep price of fertility treatments can lead to some difficult decisions, particularly as couples weigh their finances against their desire for a bigger family. The list of factors to consider is substantial, as is the list of costs, but that shouldn’t deter every couple or individual.

Covering every detail here would be impractical, but we have the most important points to consider. Find out what you need to know before you begin funding a fertility journey.

Out-of-pocket expenses

So, the first detail you find out is that your health coverage rarely guarantees access to affordable fertility treatments. Both private insurance and Medicaid are unlikely to cover the costs, even partially, associated with infertility.

This lack of coverage means that heterosexual couples grappling with infertility, adults choosing to become single parents and same-sex couples exploring their options to have a family are going to be financially responsible for services such as intrauterine insemination (IUI), in vitro fertilization (IVF) and surrogacy.