If you are struggling with infertility, visiting an infertility specialist is one of the most important steps towards getting treatment and starting your family. In Illinois, your initial visit to a fertility doctor should be covered by insurance, and the majority of fertility treatments should also be covered.‍

Insurance Coverage

‍Under Illinois law, most employers must offer insurance that covers diagnosis and treatment for infertility, including IVF. This means that the biggest factor that determines what you pay to visit a fertility specialist is the terms of your insurance coverage. If you are uncertain about how much your insurance will cover, you can contact your policy provider for more information. If your employer is not required to offer IVF coverage, you can purchase separate IVF insurance.

‍Factors Affecting Cost

‍The costs of initially consulting with an infertility specialist are fairly constant from patient to patient. From there, the doctor may order a variety of diagnostic procedures that can vary in cost significantly depending on their complexity and the amount of resources required.

The type of treatment your doctor recommends will also influence your out-of-pocket costs, depending on how your insurance plan covers each treatment. Procedures like oral medication and intrauterine insemination (IUI) are quite affordable in most cases. In contrast, assisted reproductive treatments like in-vitro fertilization (IVF) are much more expensive, though more effective. If you need additional services like preimplantation genetic testing (PGD), the cost of treatment can be even higher.Another factor that affects the cost of treatment is how many treatment cycles are required. Even with the best treatment, it is possible that you will take several cycles to get pregnant, or that you will not get pregnant at all. However, you are most likely to get pregnant if you go to a physician who uses treatment protocols associated with a high IVF success rate.

Cost of Working with an Infertility Specialist

Many individuals can manage the cost of treatment out-of-pocket thanks to insurance coverage. Those with a high deductible, or whose treatment is not covered by insurance, may turn to financing to manage the cost of treatment. This can be arranged through an infertility financing company your doctor refers you to; you can also use credit cards, loans, or other resources to finance your treatment. Dr. Randy Morris would be happy to meet with you about your infertility. To schedule your consultation today, please click below and enter your information or call IVF1 at (630) 357-6540.