If you’ve had trouble getting pregnant, you may have given some thought to in vitro fertilization. IVF is a well-known infertility solution that has helped many couples conceive. While treatments can be quite expensive, your insurance company may be able to cover them. Find out what the requirements are for infertility coverage in Hawaii.

Hawaii’s Infertility Coverage

In the state of Hawaii, insurance providers are required to cover one cycle of in vitro fertilization if the patient has battled infertility for at least five years or hasn’t been able to conceive because of at least one of the following conditions:

• Endometriosis: A condition that causes the tissues that normally line the inside of the uterus to grow outside
• Blocked or surgically removed Fallopian tubes
• DES exposure: DES (diethylstilbestrol), a synthetic form of the female hormone estrogen prescribed to pregnant women between 1938 and 1971, is now known to lead to reproductive problems
• Abnormal male factors that have contributed to infertility, like tumors and ejaculation issues

The eggs must be fertilized with the patient’s spouse’s sperm. The treatments must also be performed in facilities that follow American College of Obstetricians and Gynecologists (ACOG) and American Society for Reproductive Medicine (ASRM) guidelines.

Questions to Ask Your Insurance Company

If you’re interested in getting infertility treatments, discuss your plans with your insurance provider. They can tell you what kind of coverage is available for how many in vitro fertilization treatments. Also, ask if they recommend any fertility doctors with whom they partner to make the insurance process smoother. Additionally, inquire if there’s an age limit and if your health plan has any restrictions on treatment payments.

Alternative Financing Options

If you’re ineligible for in vitro fertilization coverage, don’t get discouraged. Look into discounts offered at fertility clinics, like those for active-duty military and veterans. There are organizations that provide financial assistance for certain treatments as well; for example, you can apply for discounts on fertility medications from the ReUnite Assist program.

You may also be able to obtain a personal loan to finance these treatments. Personal loans can be obtained in person or through online lenders and typically have lower interest rates than credit cards.

If you’re looking for an infertility specialist in Honolulu, HI, turn to Pacific In Vitro Fertilization Institute. Since opening as the first IVF clinic in Hawaii in 1985, they’ve helped deliver over 6,500 babies to couples in Hawaii and around the world. Find out more about their insurance and financing options on their website, and call (808) 946-2226 to set up a consultation.