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Insurance plan covering IVF?

IVF insurance IUI

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2 replies to this topic

#1 Sismooni

  • Member
  • 60 posts
  • Gender:Female
  • Dx:N/A

Posted 25 September 2015 - 02:42 PM

Does anyone knows an insurance plan that covers IUI and IVF expenses? I have Alberta blue cross and they told me these are not covered. IVF expenses are very high to me and seems it is the only way we may try successfully.


#2 Hopingfor1

  • Global 100+
  • 312 posts
  • Gender:Female
  • Location:Toronto
  • Dx:DOR
  • My Clinic:Mt Sinai

Posted 25 September 2015 - 03:16 PM

Unfortunately, I don't believe there are any private insurance plans you can subscribe to that cover the actual IVF or IUI fees.  There are some plans that cover drugs (often to a lifetime limit), but not actually the procedures themselves.  There were some older posts on here of an employer (may have been the RCMP - I can't remember for certain) that covered some procedure fees in only very specific cases I believe.  I was able to be reimbursed for a small portion of my procedure fees through my Healthcare Spending Account at work.


The other issue is - if you don't have coverage already and want to sign up for a plan on your own, if you are undergoing fertility testing, insurers will consider it a pre-existing condition and won't provide coverage for it.

  • ociwoman and CdnHockeyGal like this

Me: 40  = High FSH (ranges from 8 - 15), Low AMH (2.7), Low AFC = DOR

DH: 43 = borderline sperm analysis

Started TTC#1 January 2010


2011 - 2012 - First fertility clinic, lots of testing, operative hysteroscopy to remove polyps, multiple unsuccessful IUIs, 1 IVF (150 Menopur/150 Gonal F) converted to IUI due to poor response


2012 - got second opinion and after AMH results came back, advised at 36 I had a less than 5% chance of conceiving via IVF.  Donor eggs strongly recommended but not yet ready for that (I should say - hubby not ready for that.  I was ready for donor eggs - I just wanted to be a Mom).  Decided clinic wasn't for us and back to clinic #1


2013 - IVF #1 (after 1st converted to IUI).  Estrogen Priming protocol - start Climara patch 7 days post ovulation and change every other day.  3 orgalutran injections beginning day after first Climara patch applied.  Start stims day 2 triggered on night 15 of stims = 3 eggs retrieved, 0 fertilized via ICSI = no transfer  (300 Gonal F/150 Menopur & Orgalutran)


2013 - Switch clinics


Office hysteroscopy = all clear


IVF #2 (37 years old) June 2013 - Estrace priming protocol.  4 mg estrace started 7 days post ovulation.  Start stims Day 3 (300 Gonal F/150 Menopur & Orgalutran)

Slow response as usual

Triggered on night 12 of stims (given the option to cancel as it looked like we'd get 3 eggs - knew we wouldn't do any better so continued).

ER:  6 eggs, but advised some were small and would be immature

Fert report:  5 of 6 eggs immature.  2 fertilized via ICSI (including one of the immature eggs)

ET:  Transferred our only 2 embryos - a 5 cell and an 8 cell

11dp3dt = BFP - HCG = 65

16dp3dt = HCG 1,305 (cautiously pregnant)

7 week ultrasound = 1 baby HB = 141

12 weeks ultrasound NT scan = NT = 1.7mm all looks good.  Combined with blood work risk is 1/1,400

Got Harmony blood test results back (done for peace of mind) - all clear and we're having a GIRL!

EDD = March 2014 (cautiously looking forward to that date)

However - baby had plans to arrive early. After PPROM and managing to cook the little one a bit longer, our bundle of joy arrived at 33 weeks.  After a 3 week NICU stay, she is finally home.  We are totally in love and forever thankful for our little miracle baby - Ashley Nicole.



#3 Annababy

  • Global 100+
  • 103 posts
  • Gender:Female
  • Location:Edmonton
  • Dx:DOR
  • My Clinic:Genesis Fertility Center & EFC

Posted 12 October 2015 - 05:41 PM

The plan we have covers drugs up to a lifetime limit which isn't very high and we can use DH's Health Spending Account at work to cover some of the cost but everything else will be out of pocket and we will have to claim it on our taxes next year. 

Me: 36 DH: 37


Together 17 years

Married 8 years


10/4/2013 MC #1 6w5d8388.gif

4/7/2014 MC #2 4w3d8388.gif

3/9/2015 HSG Dx blocked tubesicon_speech_sigh.gif

4/24/2015 DOR, slightly heart shaped uterus, elevated thyroid at 4.67

5/15/2015 Follow up bloodwork after a month on thyroid medication and thyroid down to 1.76 and no longer an issueyahoo.gif

6/7/2015 AFC ultrasound Dx ovaries appear slightly PCOS

6/9/2015 2nd HSG Dx blocked tubes

7/20/2015 Officially Dx of blocked tubes and DOR - moving forward with IVF in October

10/24/2015 SIS done and uterus looks great.


Project Baby

IVF #1

11/10/2015 Baseline ultrasound and blood work done. Starting stims 450 Gonal F and 150 Luveris

11/14/2015 Ultrasound shows 8 follies between 5-9mm in size

11/16/2015 Ultrasound shows 8 follies between 7-11mm and lining is 7.3

11/18/2015 Ultrasound shows 9 follies between 9-14mm and lining is 9.1

11/20/2015 Ultrasound shows 12 follies between 9-18mm and lining is 9.1

11/22/2015 Ultrasound shows 13 follies between 9-20mm and lining is 9.1

11/23/2015 Ultrasound shows 13 follies 10-22mm and lining is 9.1

11/25/2015 ER and got 15 eggs

11/26/2015 9 egg were mature and 8 fertilized using ICSI

11/30/2015 PUPO with two embryos

12/9/2015 1st Beta BFN cry.gif 


FET #1 January 2016

1/4/2016 CD1 - waiting to start meds

1/24/2016 - Superfact started

2/3/2016- Added Estrace 1mg x 2 per day

2/7/2016 - Estrace increased to 2mg x 2 per day

2/12/2016 - Estrace increased to 3mg x 2 per day

2/15/2016 - Lining check ultrasound and lining looks perfect

2/20/2015 - PUPO with 2 4BB embryos

2/29/2016 - BFP but it's low at only 9

3/4/2016 - 2nd BETA 0 - 3rd chemical 







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