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A couple, 37 and 39, spent three rounds of IVF over two years before a successful pregnancy, financing each round on credit cards and a fertility specific loan when insurance covered almost none of it. The balance now sits at $52,000, and with a baby due in four months, they're trying to figure out how to pay it down before childcare costs stack on top of it.
Fertility treatment coverage varies enormously by state and employer, and only a limited number of states currently mandate any insurance coverage for IVF specifically. Most couples paying out of pocket are covering costs that can run $15,000 to $20,000 per round once medications, monitoring, and the procedure itself are included.
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3 months ago

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