Reciprocal IVF Insurance Coverage

If you’re interested in pursuing reciprocal IVF, we want to make sure you’re thoroughly prepared for it. Reciprocal IVF is a big-time and financial investment, so it’s essential to understand exactly what it entails.

Keep reading to learn what reciprocal IVF is, the costs, and how reciprocal IVF insurance coverage works.

What Is Reciprocal IVF?

Reciprocal IVF is a fertility treatment option for lesbian or trans-men couples. It’s also referred to as co-maternity, partner IVF, or co-IVF.

Here’s how reciprocal IVF works:

  • Partner A goes through testing to retrieve their eggs for fertilization.
  • Partner B gets Partner A’s fertilized embryo placed in their uterus. Sperm can be from an anonymous or known donor.
  • Partner B carries and gives birth to the child.

Reciprocal IVF is a variation of in vitro fertilization (IVF) where both partners have the opportunity to be involved in the conception process.

How Much Does Reciprocal IVF Cost?

The average cost of one reciprocal IVF cycle is roughly $20,000 out of pocket. The costs encompass:

  • Reciprocal IVF preparation (blood work, medications, donor sperm fees, etc.)
  • Embryo costs (egg retrieval, anesthesia, embryo freezing, etc.)
  • Embryo transfer

Keep in mind not all reciprocal IVF cycles are successful. It’s an intricate procedure that often requires multiple rounds:

  • 33% of women have a baby after their first cycle.
  • 54% to 77% have a baby by their eighth cycle.

In addition, the success rates vary based on age:

  • Women under age 35 have a 41% to 43% success rate
  • Women over age 40 have a 13% to 18% success rate

Thus, you may need to factor in additional IVF rounds when preparing your finances.

Is Reciprocal IVF Covered by Insurance?

Not all insurance providers cover reciprocal IVF. Coverage depends on two factors:

  • Where you reside
  • Your insurance provider

Currently, 17 states “require insurers to either cover or offer coverage for infertility diagnosis and treatment.” But not all of these states specifically require IVF coverage.

The laws for each state are unique. For example, the number of IVF cycles are covered by insurance varies from state to state—while Connecticut covers two IVF cycles, Maryland covers three.

There may also be:

  • Requirements for how long you need to have been on your insurance plan
  • A cap on the maximum coverage amount

Speak with your health insurance provider and read up on state infertility coverage laws to assess how much financial coverage you are eligible to receive.

What Are Payment Assistance Options for Reciprocal IVF?

Fortunately, payment options can help cover some of the reciprocal IVF costs.

Financing Options

There are fertility treatment centers that provide financing options to make reciprocal IVF more accessible for you and your loved one.

For example, organizations like Future Family offer an IVF financing plan that starts at $300–$475 a month. This includes access to a nurse help desk and a trusted team of fertility coaches. Each IVF plan is customized for the services you need.

Clinics may offer their own financing programs, so be sure to discuss total costs and options with your prospective clinic.

Fertility Treatment Grants

Organizations such as The National Infertility Association provide a list of fertility grants. Grants range anywhere from $1,000 to $10,000.

Some grants may have specific qualifications (location, income cap, etc.) and application fees, so be sure to look at each grant program to see what you are eligible for.

Credit Cards

According to research, 52% of IVF candidates pay for their treatment plan with a credit card. To save money in the long run, consider finding a credit card company with a 0% introductory interest rate. If you can pay off the loan within that introductory period, this can be a great financial solution.

Consider Your Financing Options

Everyone deserves to have the family of their dreams. Be sure to look into the financing options above to help find ways to mitigate costs and complexities. The National Infertility Association also provides additional information on reciprocal IVF.


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