Infertility is a problem – but it’s not a permanent problem. Infertility can be solved by something that not a lot of us have the luxury of – money.

There are medical interventions for infertility, called assisted reproductive technology, that can help any infertile couple save for one little problem – expenses. In vitro fertilization is one of the most effective forms of ART, but a single treatment costs tens of thousands of dollars. What’s more, it’s not a hundred percent successful, and the couple may undergo more than one procedure. There are also fertility medications available to increase the success rates of IVF but it costs about a thousand dollars per month, plus a few other ART methods that cost over four thousand dollars.

This is not something average couples can afford. In comes infertility insurance to help save the day. This type of insurance is affordable and can be obtained through any insurance company. By paying a monthly premium, insurance providers can give you different policies that will cover your infertility treatment expenses. Treatments include fertility tests, IVF, artificial insemination, and other ART methods. Diagnostic procedures such as laparoscopic surgery can also be covered. Insurance companies typically cover the least expensive yet the most likely to work treatments. Also, they typically cover about three to five cycle’s worth of treatments. Surrogacy, however, is never supported.

Infertility insurance has three faces. Standard health insurance is first in the list. This type of insurance covers for a specific fertility coverage in exchange for monthly payment. Refund programs are next on the list. These programs need initial full payment before they’ll cover you for fertility treatments. About 30% less of the payment is refunded if treatments are not successful. Financing is the final face of infertility insurance. Infertility treatments are paid for by loaned money. Should the treatment not be a success, loans are paid back but not in full.

While infertility insurance sounds good, not every couple can qualify. There are requirements and prerequisites that couples need to be approved for a policy. One of these prerequisites is an existing insurance policy. The woman should also be aged forty or less. The couple should also have been unable to conceive for about five years. Infertility insurance claims also have to wait a year after the policy was given to the couple.

It seems that to treat infertility, you have to shell out a little cash and you have a choice between the monthly premiums and the thousands of dollars that you pay for without insurance. At least when you do have a baby, you can spend your money taking care of him or her. Infertility insurance gives you the opportunity to have your baby, without going bankrupt.