The use of a surrogate mother is another ART method. Since many health insurance policies don't cover fertility therapies, check your policy carefully before you do anything. Some cover, for example, fertility drugs but not assisted reproductive techniques. Check the American Society of Reproductive Medicine Web site for state infertility insurance laws . If your health insurance doesn't cover the treatment you're seeking, you'll have to pay the entire cost up front.
Reputable clinics remind patients that they have no guarantees with fertility treatment.
No matter what clinic you choose, make sure you ask about the cancellation policy first. Most clinics charge only for services performed and return money for cancelled treatments. Add your comments to the bottom of this page. On average, more than half the couples who seek infertility treatment go on to have a baby. And don't gloss over the emotional stress involved.