Sandy Huffaker/Getty Images News/Getty Images

Why IVF & Egg-Freezing Should Be Covered By Health Insurance

Ad failed to load

In recent years, in vitro fertilization, also known as IVF, has become more and more common. As it becomes more common and more women and families are turning to the procedure in order to aid in starting a family, questions about the procedure are becoming more common as well. For example, is IVF covered by insurance? It varies, but a lot of the time, IVF costs aren't taken care of by health coverage. According to, about 15 states have some type of mandate for infertility insurance coverage, so couples in those states are more likely to receive help from their health insurance plan in paying for treatments. But in states without such a mandate, most insurance plans don't help to pay for fertility and IVF services. And there are so many reasons why IVF and egg-freezing should be covered by insurance.

Women don't choose to be infertile, but being infertile and wanting to start a family often means you need access to procedures that are incredibly cost-prohibitive for many women and couples. If IVF and egg-freezing were covered by insurance, that would be one less obstacle for women to face when trying to conceive. The fewer hurdles to take on, the less stressful the process overall.

Sandy Huffaker/Getty Images News/Getty Images
Ad failed to load

According to a piece by The Washington Post, "One cycle of IVF costs roughly $15,000, and egg freezing costs about $10,000-$12,000, including annual storage fees." That's incredibly expensive, and not an option for the majority of women. In a story featured on WSOC-TV in October, North Carolina is one state that does not require insurance companies to cover infertility treatments. So couples there are pushing lawmakers to mandate infertility coverage. Treatment for one mom featured in the story, between costs of her surrogate and in vitro fertilization treatment, came to $26,000. That's not the sort of money many women and couples have just lying around.

Egg-freezing is also becoming increasingly popular, with companies like Apple, Facebook, Google, Intel, and Microsoft making headlines for covering fertility benefits for their employees. Egg-freezing costs about $10,000, and storage is $500 to $1,000 a year, as reported by BuzzFeed, so either using IVF or egg-freezing for fertility needs is not an inexpensive route to take.

Ad failed to load

Additionally, many women turn to egg-freezing for reasons other than infertility. Some women with high risks of ovarian or reproductive cancers freeze their eggs so that they can have their ovaries removed and will still be able to reproduce later in their lives with the help of fertility drugs.

With IVF, conception occurs outside the body, and the embryo(s) that results is then implanted in the uterus. Egg freezing is different. In that process, women take hormones to produce multiple eggs, and those eggs are then removed from their ovaries and sent to a lab where they’re frozen. The eggs are stored there until such time as the woman wants to use them to have a baby, usually later in life.

But both processes are not cheap, and insurance companies should cover them for women who are looking for options when it comes to fertility and conception. In some cases, infertility is a result of a medical or medicinal issue. In one case out of California, a woman's insurance company said they'll refuse to pay for fertility treatment — following a breast cancer diagnosis and a double mastectomy, necessary care which led to doctors advising that she shouldn’t get pregnant for the next five years while she's on a cancer-related medication — once she's safely able to try to conceive. She was warned that having a healthy baby could be harder in her late 30s, once the treatment is complete, but her insurance currently won't cover the costs of fertility treatment when she gets to that point.

Ad failed to load
Christopher Furlong/Getty Images News/Getty Images

And a couple up in British Columbia is taking on the issue of insurance coverage for IVF as well. Juvarya and Shaun Veltkamp were successful in conceiving their baby, Blaise, with the help of in vitro fertilization at a private clinic, but they are now advocating for the treatment to be covered in their province because they believe prohibitive costs involved are a hindrance for many couples.

With so many examples of women and couples choosing to go with IVF or egg-freezing to help with fertility and conception, it's about time insurance companies get with the program and cover more of the costs. Again, women don't choose to be infertile, or choose something like getting cancer, which leads to a delay in trying to conceive. Why should they have to pay for basic medical care to aid them in getting pregnant, if they have insurance for other basic health needs, when infertility is through no fault of their own?

Ad failed to load

Information on state-by-state infertility insurance coverage is available, and shows just how uneven coverage is just depending on where you live. For example, in Arkansas, except for HMOs, "all health insurers providing maternity benefits must provide IVF benefits." But in California, "insurance companies are not required to provide infertility insurance coverage and employers are able to choose if they will include it in their employee benefits package."

It's time insurance coverage for infertility treatments became available, accessible, and equal for all women in this country who seek it — regardless of income and background.

Ad failed to load
Must Reads

The Entire Family Can Enjoy These Movies & Shows Coming To Netflix In June

It's just one of those sad facts of life: every month, shows and movies vanish from Netflix, their varied excitements no longer at your fingertips. But luckily the streaming service is always prepared to fill that content void with lots of new things…
By Megan Walsh

The Reason Why Babies Smile At You Will Seriously Make You Smile

Whether you're currently the recipient of your own baby's sweet smiles or you just seem to be a magnet for baby grins in general, you might find yourself wondering why babies are always smiling at you. Sure, you could be a 'smile whisperer' but scien…
By Kate Miller

8 Ways Your Baby Is Trying To Say That, Yes, You Are Their Favorite

For a baby to show a preference for a specific person is not only normal, but an essential part of their development. Babies need to form strong attachments to their caregivers for their emotional, social, and physical wellbeing. Usually, but not alw…
By Kimmie Fink

10 Reasons Why I Won't Apologize For Giving My Toddler A Pacifier

My first child had no interest in a pacifier. I tried a couple times to get him to take one, but he always spat them out and gave me an incredulous, judgmental look. But my second? It was love at first suckle. And after a while, the incredulous, judg…
By Jamie Kenney

Being A Dog Parent Prepared Me For Having A Baby, Really

I’ve always wanted kids; I was never as sure about raising a puppy. Then I spent six months living with someone who brought home an eight-week-old golden retriever puppy, and I see no way to make it out of that experience claiming not to love dogs. I…
By Heather Caplan

20 Of The Most Popular Unisex Names Of All Time, That You'll Be Hearing More Of For Sure

You might think of unisex names as a fairly recent trend, but the truth is these versatile monikers have been commonly used throughout history (well, some more commonly than others). That's why the team over at recently compiled a list of t…
By Jacqueline Burt Cote

How To Have A Date Night With No Babysitter, Because It's Easier Than You Think

After having children, many couples feel that their love lives immediately go out the window, but it's so important to make your romantic life a priority so both you and your partner can be the best versions of yourselves you can be. As we all know, …
By Abi Berwager Schreier

9 Ways Baby No. 3 Made My Family Feel Complete

My husband and I decided to have another baby right after we got married and, well, we had no idea what we were getting into. I got pregnant right away, endured a high-risk pregnancy, and, before I knew it, my third baby had arrived. Together, we emb…
By Steph Montgomery

8 Stereotypes About New Dads That Are *Totally* True

Much like new mothers, new fathers have a lot on their plate. Parenting can be scary and complex, especially at first and regardless of your gender. People want to do right by their kids, after all. And since all new parents are a hot mess, dads are …
By Priscilla Blossom

8 Differences Between Being Pregnant In Your 20s Vs 30s, According To Science

Whether you're planning a pregnancy, or just thinking about your future family, it's typical to think about things like child-spacing, how many kids you want, and when to start trying to conceive. When making your pro/con list, you might also conside…
By Steph Montgomery

16 Moms Share Remedies For Their Most Intense Chocolate Cravings During Pregnancy

For better or worse, pregnancy is usually synonymous with odd cravings. Sure, there are the stereotypical combos like pickles and ice cream that plague gestating women the world over, but there are other mind-boggling combinations, too, including but…
By Candace Ganger

Putting Sunscreen On Your Kid Doesn't Have To Be A Fight — Here's How To Do It

I am almost translucent, so me and sunscreen are basically besties at this point. Even though my children are beautifully deep brown thanks to my husband's genetics, I still slather them like biscuits being buttered because I refuse to take risks wit…
By Cat Bowen

19 Moms Share The Way They Cured Their Pregnancy Comfort Food Cravings

I was obnoxiously sick during the first trimester with, "lucky" for me, both of my pregnancies. For the first three months I lived on saltines, lemonade, and fresh bread. Once I was able to eat, however, all I wanted was savory and sweet comfort food…
By Dina Leygerman

8 Fascinating Facts About Babies Born In May, The Luckiest Month Of All

The height of all things fresh and springy, May is an excellent month to have a baby. It's a time of growth, graduations, and outdoor celebrations. And these fascinating facts about May babies will give you more reasons than ever to appreciate childr…
By Lindsay E. Mack

I Used To Judge Formula-Feeding Moms — Until I Became One

The other patrons in the hip Brooklyn restaurant probably couldn’t care less what I was feeding my baby, but I’ll always remember the shame I felt as I quickly mixed up his bottle of formula in front of them. I admitted to my childless friend that I …
By Katherine Martinelli

7 White Lies It’s Necessary To Tell To Keep Your Relationship Healthy

Telling lots of lies typically isn't associated with a healthy, strong, lasting relationship, and that's still certainly true, but not all lies are exactly the same. Though you've probably heard from someone at least once or twice that the lie they t…
By Lauren Schumacker

The Skinny Jeans That Saved Me Postpartum

Accepting my post-pregnancy body is hands-down one of the most difficult things I’ve ever done. It’s something that I still work on every single day. During my first pregnancy, I was 20 years old, so I managed to bounce back quickly. In fact, I dropp…
By Allison Cooper

7 Ways Your Baby Is Trying To Say They Feel Safe

In those first weeks of new motherhood, it can feel like you need an interpreter for your newborn. With their limited means of communication, figuring out what message your baby is trying to get across to you can be a challenge. With time, however, y…
By Kimmie Fink

Here's Why Dogs Are Obsessed With Babies' Poop, According To Science

Most family dogs seem to understand babies, and they're more than happy to make friends with the newest member of the pack. It's adorable... for the most part and until you go to change your little one's diaper. Suddenly, you're wondering why dogs ar…
By Lindsay E. Mack

6 Signs You're Meant To Have A Big Age Gap Between Kids

There's a five year age difference between my two children, to the day. Their age gap wasn't planned but, for a variety of reasons, works well for our family. And since I was so focused on having a second baby, I totally overlooked the signs that wou…
By Candace Ganger

My Dog Knew I Was Pregnant Before My Family Did

Growing up, I was 100 percent sure I'd be a mom one day. To a dog, that is. My baby plans came later. And once my husband and I were sure we wanted both a dog and a baby, we'd add to our joint dog-and-baby name list over Sunday brunch or on date nigh…
By Melissa Mills