Bringing Out Baby: Who Pays for IVF?

By SUSAN DONALDSON JAMES
ABC News
April 8, 2008

Payment for Fertility Procedures Varies by State, Insurer, Locking Out Many

New York City councilwoman Melinda Katz began a career in public service when she was 28, but by the time she was 40 and wanted to have a baby, she learned she was infertile.

Today, at 42, neither medical technology nor being single stands in the way of Katz having that baby — only her insurance company.

Katz, who championed women’s health issues while serving in the New York State Assembly, discovered she was not entitled to insurance coverage for in vitro fertilization (IVF) that might have given her a baby.

“Having a baby is an important part of life,” said Katz, who told ABCNews.com she saved her money and paid for the IVF herself. It took three failed tries, but the petite city counselor is now expecting a boy, with a donor egg and sperm, in June.

“The state doesn’t cover a lot of fertility treatment and it should,” said Katz, who, as a Democrat, wrote the law requiring HMOs to provide women direct access to gynecological care without forcing them to first see a primary care physician.

“It’s a very expensive process and I was lucky enough to pull together tens of thousands of dollars,” she said. “Many women don’t have that great fortune.”

Like Katz, an estimated 2 percent of all American woman experience fertility problems, but only some of them can afford the expensive advances in technology that make pregnancy possible.

Pregnancy a Luxury
Katz, who hails from the well-heeled neighborhood of Forest Hills, Queens, can afford that luxury. As a single woman, she earns $125,000 a year and is running for the city comptroller job, which pays an annual salary of $185,000.

Still, the financial burden is only a part of the pain of IVF. “It’s a very emotional process, and by the end, I knew I really wanted this child, it was so long and arduous.”


Next Steps

Becoming victorious over the symptoms of Polycystic Ovary Syndrome is not easy, but you can overcome your PCOS symptoms to live the life you deserve.

It takes strength, courage, and perseverance. It can be challenging and that’s why Insulite Health created this website. It's has information and resources that will help you balance your hormones and reverse PCOS symptoms.

So take these next steps now! Use the links below to learn how to make the changes that will transform your health and your life forever.

  1. Read more about PCOS. Search our 1300 page PCOS library.
  2. Join our Facebook Group right now!  Pose your questions to this group of like-minded women and get the support you need.
  3. Take the PCOS Quiz! Get your PCOS score and assess your risk.  
  4. Learn more about the Insulite 5-Element PCOS Solution

Insulite Health, is committed to helping women reverse their symptoms of hormone imbalance. Scientific research has revealed that this imbalance can be a primary cause of many devastating health symptoms. Hormone Imbalance can also underlie the increased risk factors for PCOS (Polycystic Ovarian Syndrome) - a major source of serious diseases as well as cause of excess weight gain, adult acne, unwanted facial hair, depression, anxiety, and heartbreaking female infertility.

©Insulite Health, Inc., pcos.com empowers women with PCOS to transform their lives through a process of healing with the 5-Element PCOS System – a complete solution for helping women reverse the symptoms of PCOS and hormone imbalance.