It is not just about your insurance plan - it is more about where you live and what your state mandates. Currently ONLY 15 states in the US mandate some sort of fertility coverage and not all cover IVF. For example, I live in Massachusetts and our treatments including IVF were covered 100?ith just our co-pays through BC/BS Massachusetts but BC/BS in Florida covers nothing.
I recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your current coverage and to do an analysis for you. Perhaps you can get your prescriptions covered or something like that with your current coverage. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me. They also have information on prescription programs and shared risk programs.
If you cannot find insurance coverage here are some other suggestions:
1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in.
2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers.
3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member.
4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . .
5) See if your employer as a flex spending account - you can set aside money tax free for medical things - everything from IVF to prescriptions to eye glasses etc . . .
Here is a great link for you:
PS - do NOT respond to anyone who says "I recall my plan covers it" and go to this random website for a quote . . . it is a scam, identity theft.