The point I'm making is that fertility treatment can be very expensive , and expenses may increase as you modify your fertility plan to accommodate your medical needs. Your ability to control your expenses is a vital part of your fertility plan. That way you minimize the risk of any big surprises. You should talk with your doctor about the costs and with your insurance carrier about what is and is not covered. Sometimes insurance companies have riders and waiting periods before you qualify for coverage.
Some policies even exclude pregnancy and fertility payments altogether.
Coverage may also differ from state to state. If you change jobs, or change your insurance carrier from your coverage to your husbands, infertility treatment may no longer be covered. A preexisting condition using allows them to avoid paying for any condition you were treated for during the previous year. While some plans cover diagnosis and treatment, others may only cover diagnosis or they may provide no infertility benefits. In addition, some fertility treatment procedures may be considered experimental and therefore will not be paid for by the insurance carrier.