Last Updated on February 1, 2020
17 states in the US have an infertility insurance mandate in place. The mandate provides benefits for people who are seeking infertility treatments. Out of the 17 states, the IVF cost in Hawaii are covered by the state’s infertility insurance mandate.
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How Much Does IVF Cost in Hawaii?
Regardless of the mandate, couples need to go about their IVF treatments carefully as the average around for IVF cost in Hawaii ranges from $3,000 – $6,000, that is when the IVF treatments are insured. While IVF cost that are not insured range from $8,000 – $13000, excluding medications which can range from $3,000 – $8,000.
It is hard to determine exactly what the average is as different plans provided by the fertility clinics have different prices.
Based on the patient’s needs, the cost of IVF treatment varies in Hawaii. Patients have an insurance plan, will need to incur considerably lower expenses than others who are uninsured. Typically, the cost of medication is not included in either cost and will need to come out as out-of-pocket costs.
Those patients who want to cryopreserve their eggs or embryos during the IVF treatment will have to bear added costs. In addition to the added costs, it should be noted that working with gestational carrier IVF will also increase the cost considerably.
The cost of IVF in Hawaii may also vary depending upon the couple’s preferences and the insurance plans provided by different insurance companies. It is advisable that people who want to start a family look through every single fertility clinic and the programs provided by them before taking the first step to becoming a parent.
Hawaii passed the infertility insurance law in 1987. Ever since, all hospitals and medical clinics who provide coverage related to pregnancy are obligated to offer a one-time coverage for people who have fertility issues and are opting for In Vitro Fertilization (IVF) treatments. Some need this coverage because of financial issues as the IVF cost are comparatively higher than other states who have an infertility insurance mandate set up.
According to RESOLVE, an organization which provides support to people who are seeking IVF treatments, the state of Hawaii was given a fertility grade of B. It was ranked above other states: New Hampshire, Alaska and Wyoming, which were given “F” fertility grades.
Hawaii was given a B fertility grade because it has an infertility insurance mandate in place, it has 11 fertility specialists, and almost 30,000 women who were facing infertility issues, which is quite low as compared to other states who have infertility insurance mandates.
IVF Insurance Coverage in Hawaii
Health insurance companies cover IVF cost in Hawaii, because of the state’s infertility insurance mandate. Requirements as covered by the mandate include the following:
- Patients must get a one-time IVF coverage insured if there is at least a 5-year history of infertility, or if the infertility is caused by DES exposure, endometriosis, or blocked fallopian tubes.
- The eggs of the patients must be fertilized by the sperm of the spouse.
- Coverage will only be provided if the patient has exhausted other insured infertility treatments.
Coverage:
- One-time IVF cycle can be covered.
- Medical clinics that qualify the required demands set up by the American Society for Reproductive Medicine (ASRM) and the American College of Obstetrics and Gynecology (ACOG) can only perform IVF procedures.
- The same degree of coverage shall be given similar to maternity-related benefits.
Exceptions:
Self-insured employers are excused from getting coverage for IVF cost.
Affording IVF cost in Hawaii
To cope with the cost of IVF, The patients is best to look for some IVF financing for IVF treatment. The patients can apply an immediate and easy loan from these fertility financing organizations through the selected clinics.
ARC Fertility
To give advanced fertility treatments, for people facing infertility issues, the Advanced Reproductive Care was established.
To reduce the IVF cost in Hawaii, the following treatment packages are provided by the program:
- ARC One-Cycle Plan:
This plan gives patients 2 chances to achieve a live birth because the patient gets one retrieval in addition to 2 embryo transfers.
Services in the plan are dependent on the number of times the patient has to visit the office, blood work and ultrasounds during a normal IVF process, and by using embryos attained during the retrieval (frozen or fresh).
Until a serum pregnancy test is done, clinical care is administered after one IVF cycle. Obstetrical is not considered as a covered process in this program. If loss occurs during pregnancy, additional services are provided throughout the nine-month period, up to the maximum number of services.
Termination of the one-cycle plus plan happens when a live birth is achieved.
- ARC Two-Cycle Plan:
This plan gives the patients 4 chances to achieve a live birth because the patient gets 2 retrievals in addition to 4 embryo transfers.
Services in the plan are dependent on the number of times the patient has to visit the office, blood work and ultrasounds during a normal IVF process, and by using embryos attained during the retrieval (frozen or fresh).
Until serum pregnancy test is done, clinical care is administered after one IVF cycle. Obstetrical is not considered as a covered process in this program. If loss occurs during pregnancy, additional services are provided throughout the eighteen-month period, up to the maximum number of services.
Termination of the two-cycle plus plan happens when a live birth is achieved.
- ARC Three-Cycle Plan:
This plan gives the patients 6 chances to achieve a live birth because the patient gets 3 retrievals in addition to 6 embryo transfers.
Services in the plan are dependent on the number of times the patient has to visit the office, blood work and ultrasounds during a normal IVF process, and by using embryos attained during the retrieval (frozen or fresh).
Until serum pregnancy test is done, clinical care is administered after one IVF cycle. Obstetrical is not considered as a covered process in this program. If loss occurs during pregnancy, additional services are provided throughout the 36-month period, up to the maximum number of services.
Termination of the three-cycle plus plan happens when a livebirth is achieved.
ARC Success Program:
Success Program is a special program that provides all of the advantages of a multi-cycle plan, which is discounted. In addition, refunds are provided in the case of unused cycles for IVF treatments.
The ARC success program provides two plans:
- Two-Cycle Success Plan
With this plan the patient can get 2 retrievals and transference of 4 embryos (frozen or fresh).
- Three-Cycle Success Plan
With this plan the patient can get 3 retrievals and transference of 6 embryos (frozen or fresh).
ARC Affordable Option:
The ARC affordable option provides the following for affordable IVF treatment:
- ARC Fertility Financing
This option aids people in reducing IVF cost by providing affordable treatments.
The ARC Fertility Financing plan helps people in getting affordable IVF treatments by giving them the ease of paying as they go through the treatment. A $14,000 loan is given to the patients, and they have the flexibility to pay it in 2, 3, 4, 5, or 6 years.
The monthly payment for the 2-year loan plan is around $600 – $700, while 3, 4, 5 and 6 years have $400 – $500, $300 – $400, $200 – $400, and $200 – $300 respectively.
- ARC Pharmacy Plan
The ARC Pharmacy Plan provides access to fertility medications that are discounted, with ease in Hawaii. This plan is quite fast and reliable as the medications can be home-delivered. The Pharmacies which work with ARC are Freedom Fertility Pharmacy and MDR Fertility Pharmacy, both of whom provide reliable services.
WINFertility
WINFertility provides affordable options to its patients to reduce IVF cost.
Some of the options and plans are the following:
Flexible Fertility Financing
Winfertility provides a flexible financing option for its patients who are opting for fertility treatments and medications related to it. They have made partnerships with many financial companies nationwide that provide affordable rates. Loans up to 60 months are provided to the patients at reasonable interest rates, giving them the ease to pick a monthly price that is within their budget.
Pay As You Go Treatment Packages:
For each single cycle, WINFertility provides a “pay as you go” plan which consists of infertility medications and infertility treatments.
If the patient requires another attempt, then WINFertility provides prices in various discounts which are more affordable than other multiple cycles and prescription medications that patients may never need.
- Single-Cycle Package:
Single-cycle packages are provided by WINFertility, which consist of medications and treatments, and are 10 percent to 40 percent less than other rates that are not bundled. Other multi-cycle programs are 2.5 times higher than WINFertility’s program.
2nd Chance IVF Refund Package:
This package does not require the patients to go through multiple-cycles in order to get a refund if the patient is unsuccessful, unlike other refund programs. The patient is given two chances to achieve a live birth with this package.
Fertility Clinics Payment Plans
To cope with IVF cost in Hawaii, fertility clinics provide IVF treatments for people who are facing infertility issues. Fertility clinics provide payment plans in accordance with the insurance mandate of the state, since the cost of IVF must be covered by the health insurance companies.
Some of well-known fertility centers and organizations which help patients cope with IVF cost are given below:
Fertility Institute of Hawaii (FIH) in Honolulu, HI
To cope with the cost of IVF, Fertility Institute of Hawaii offers 6 financial options for affordable IVF treatment which include the following:
- ARC Fertility:
Advanced Reproductive Care is an innovator in services and products which aid patients who are planning to start a family.
- CapexMD:
CapexMD is an expert in offering financing services to people who want to start a family. Their convenient way of processing loans, with affordable rates guarantee patients to have a flexible financial plan to achieve their dream of starting a family.
- United Medical Credit:
For various infertility treatments, United Medical Credit provides financial lending options. Up to $25,000 of finance is provided, in just a single working day.
- Prosper Healthcare Lending:
For any fertility expenditure, consisting of procedures, prescription medications, and treatments, Prosper Healthcare Lending provides fast access to financing that is affordable.
Up to $35,000 of finance is provided by the healthcare. No risk processes, no transaction fees. People can get instant approval.
- WINFertility:
In a single discounted price for each IVF cycle, the WINFertility option provides both fertility medications and advanced medical treatment in bundles. For IVF, Third Part Reproduction and IUI, the treatment bundle fees are 20% to 40% lower than in the Hawaii market.
Participation is not restricted by age limits or any clinical requirements. The patients are treated with care, and there are quality treatments which ensure protected, successful results.
There are also bundles where patients can pay as they go through the treatment. Their single-cycle plans have a better discount rate than other multi-cycle bundles, since the patients who are going through the treatments may never need the latter one.
- Vitality Solutions:
This option includes the insurance of IVF treatments. It also provides coverage for more than the actual cost when applying for IVF procedures. Prescription medications, profession counseling by an IVF specialist, consultations, travel expenditures, pre-screening tests and therapy expenses are also covered by Vitality Solutions.
Pacific In Vitro Fertilization Institute in Honolulu, HI
Pacific In Vitro Fertilization Institute has a partnership with numerous insurance plans to reduce the IVF cost in Hawaii for people who want to have a baby.
The following are available insurance plans:
- BlueCross BlueShield
- CIGNA Healthcare
- HMA
- HMSA HMO
- Deseret Mutual Benefit Administrator
- HMAA
- Aetna Health Plans
- Hygeia
- Queen’s Health System Health Care Plan (MDX)
- Summerlin
- United Health Care (UHC)
- HMSA PPO
- University Health Alliance (UHA)
Read More:
Top IVF Clinics in Hawaii By Success Rate