Even if infertility treatments are not covered, your insurance may cover testing to determine what your problem is. Especially if you have symptom such as irregular cycles, it is pretty common for testing to determine the cause of this to be covered by insurance. Insurance also sometimes covers "preconception" consultations. Your insurance provider may not be very forthcoming (or knowledgable) about what it will cover, but chances are your OB/GYN's office can find out. You may also find that your insurance covers some odd things and not others - mine covered testing and IUI, but did not cover any fertility drugs, which outside of Clomid the drugs get pretty pricey. My insurance covered some monitoring, but I paid a lot out of pocket until after I was actually pregnant. GL!
at 10:16 AM on Feb. 9, 2010