Where can I buy insurance that will cover IVF or donor egg IVF?
If your employer’s group insurance plan does not cover IVF, you will most likely be unable to purchase IVF insurance on an individual basis. In rare situations, individual plans will be available that provide this type of coverage. The best way to find these plans is by networking with other infertility patients. The rationale for most individual plans not covering IVF or IVF/DE is as follows. For insurance companies to make a profit selling infertility insurance only to a group of infertility patients (others would not buy this kind of insurance), the premium would have to be higher than the average cost of treatment. Since no one would be likely to pay $20,000 per year in IVF insurance premiums, this type of insurance coverage is generally not offered on an individual basis. The concept works much better in a group setting, where everyone is covered regardless of his/her desire for this particular type of coverage. Then the cost is spread over a larger base of policyholders and can b
