The financial aspect of IVF is a rather stressful one. So it does not come as a surprise that IVF is one of the most expensive fertility treatments . The average cost of IVF in the Connecticut starts from $10,000 excluding medication, anesthesia and pre-post testing.
|Major cities||Average cost of IVF without medication|
The cost of IVF in Connecticut is subject to the variations in financial packages offered by fertility clinics. At the end of the day it depends greatly upon the combination of the patient’s insurance coverage of their clinical facilities.
As a whole, the cost of IVF is a sum of medications, tests, consultations, taxes and procedure costs. While the state does offer insurance, there remains much to know prior to considering oneself as a potential candidate for the insurance coverage.
- Infertility Insurance Mandate in Connecticut
- Affording IVF in Connecticut
- Fertility Clinics Cost and Financing Options in Connecticut
Infertility Insurance Mandate in Connecticut
Luckily for residents of Connecticut, it is one of the 15 states of the U.S. which offers an infertility mandate. However, prior to getting any hopes high, patients are advised to understand the benefits and limitations of this law.
Connecticut law requires that insurers and employers offer coverage for the treatment of infertility; infertility being defined as the inability to sustain or conceive a pregnancy for more than a year in individuals under the age of 40.
What does the law cover?
The Connecticut infertility law coverage is only for the first 4 ovulation inductions, two IVF, ZIFT or GIFT cycles, three intrauterine insemination cycles and less than two embryo cultures per transfer. Moreover, advanced treatments like IVF are only paid for if other less expensive medically correct options have been tried before.
To be eligible for the treatment, the patient’s physician is required to provide consent that in order to achieve a pregnancy, the best treatment option is IVF.
Law Limitations to IVF Cost
Most of the health insurance laws come with a limitation. For the insurance law on the cost of IVF, the limitations are as follows:
- The individual opting for the treatment should be under 40 years of age
- There is a lifetime limit on the ovulation induction cycle i.e. 4
- IVF coverage is limited to 2 cycles in a lifetime
- IUI coverage is limited to 3 cycles in a lifetime
- Individuals applying for insurance should maintain it for at least 12 months.
In addition, the Connecticut insurance backs patients up only at clinics and fertility centers which participate in the guidelines of American Society for Reproductive Medicine.
Affording IVF in Connecticut
Connecticut is one of those 15 lucky states in the country that has an insurance mandate. Nonetheless, insurance laws also come with their own limitations and drawbacks. For patients the best option is look for discount offers and flexible payment plans offered by fertility clinics.
As in other mandates states, the cost of IVF in Connecticut also depends largely on the IVF plan patients have selected. Another consideration is the out of network financing plans they may have opted for. There are many non-profit organizations working across the nation to help patients afford advanced fertility treatments.
For individuals who want to finance their IVF cost from an out of network facility, here are a few recognized options that are widely accepted by fertility clinics:
- Baby Quest Foundation
Baby Quest Foundation is one of the most well-known names in the non-profit organizations providing financial reliefs for the infertility treatments.
- Fertile Dream- Embracing hope grant
This is an organization which gives away an IVF grant of $ 10,000 to 2 or 3 selected couples. This grant can work in any clinic of the country. To be eligible for the grant couples must have insurance, but with exhausted or no coverage for infertility.
Fertility Clinics Cost and Financing Options in Connecticut
Center for Advanced Reproductive Service in Farmington/Hartford/New London, CT
To provide relief on the cost of IVF in Connecticut, the Center for Advanced Reproductive Service offers a possibilities program. This is primarily designed for individuals or couples who are not covered by insurance or have exhausted their options. According to this program, the concerned individual must be eligible for treatment. An upfront price is to be made for all the monitoring and procedures, which include:
- IVF class
- Ultrasound and blood work
- Egg retrieval and embryo transfer
- Assisted hatching
- Embryo Cryopreservation along with a year’s storage fee.
Combined Household Income fee:
Below is a chart of the approximate IVF cost for the plan according to household income:
|$8,999||Less than $75,000|
|$10,499||$75,001 to $125,000|
|$11,999||$125,001 to $175,000|
|$14,999||$175,001 and more|
To be eligible for the treatment patients must not be covered by any insurance. This program is for patients who cannot afford the cost of IVF due to their low income.
For self-paying patients the Center offers special programs designed with regard to their collaboration with drug manufacturers and New Life Programs. Affiliations with such programs help patients have an easy access to drugs between $ 300 and $ 600.
- Prescription savings benefits
This program is sponsored by EMD Serono. It helps patients save on the cost of pharmacy for several IVF medicines. It is best when patients opt for multiple IVF cycles.
DesignRx partners with manufacturers and drug specialists to design different programs for patients who are not otherwise covered by an insurance mandate. DesignRx programs facilitate all groups involved in the treatment including pharmacies, patients, drug manufacturers, and providers.
New England Fertility Institute in Stamford, Hamden, and Danbury, CT
The IVF cost at New England Fertility starts from $ 14,000. Along with the insurance and financial plan, the center helps patients customize their payment plan.
New England Fertility Institute participates with many non-profit and financing companies to help patients afford the cost of IVF. If you are an eligible candidate for IVF but for some reason cannot be covered by the insurance, you can reach out to the following services through New England Fertility Institute:
New England Fertility partners with CapexMD to provide financial assistance to eligible individuals. With comprehensive and easy to understand financing plans, it releases the stress of affording the cost of IVF.
CapexMD helps patients with a customized financing service in which a loan is designed according to their monthly income and savings. Such a loan ensure that every aspect of the IVF procedure is well managed in terms of finances.
The variety of loan options available can help patients afford the medication and testing more realistically. New England fertility will collaborate throughout the process to secure funds prior to starting the treatment. With CapexMD you get:
- Competitive rates
- Secure and easy online loan process
- Pre-approval of the loan within 24 hours
- No annual fees
- Loan on existing credit
Reproductive Medicine Associates in Norwalk/Stamford/Danbury/Trumbull, CT
Reproductive Medicine Associates is another flexible option for covering the treatment cost of IVF in Connecticut. It has also come up with multiple cycle plans to help patients afford the treatment as well as maximize their success rate.
For those who opt for IVF treatment, it is always recommended to purchase a multi cycle plan available at a single discounted price. This multiples their chance of taking home a baby, reduces the risks involved and is financially more secure in terms of benefits than a single cycle procedure.
Reproductive Medicine Associates also deals with some well-known financing names in the market to help patients afford the cost of IVF.
- Attain IVF Refund Program
Attain IVF has helped thousands of people take home a baby with the treatment of IVF. It also believes that IVF is a risky treatment with uncertainty of results.
For best results it is always suggested to opt for a shared risk multiple cycle plan. Attain IVF Refund program allows patients to take up to three cycles of IVF, and in case a live birth is not achieved they can claim their money back.
- Fertility Treatment Financing Programs
This program strives to eliminate the trouble of finances restricting patients from pursuing the treatment of infertility. In this loan program there are no pre-payment penalties, down payment or hidden fees. There are fixed interest rate loans starting from $ 2,000 to $ 25,000. Reproductive Medicine Associates helps patients get this loan in order to increase their odds of becoming a parent.
- Lending Club Patient Solutions:
Lending Club Patient Solutions partners with most of the fertility clinics in the U.S. This organization finances fertility treatments at fixed low interest rates and helps patients design their own fertility loan, according to their financial status.
There is no credit history limitation on the loan. Anybody considered eligible by the Reproductive Medicine Associates can apply for the loan with minimum information and steps.