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Can You Put a Price on Family?

By Nichole |

Do you happen to have an extra $13,000 lying around?

Under a pillow?

Maybe over there between the couch cushions?


Neither do I.

But that’s roughly how much money my husband and I would need for one in vitro fertilization (IVF) cycle.


The majority of patients seeking infertility treatments pay for those treatments completely out of pocket. To date, only 15 states have passed laws requiring insurers to cover or offer to cover some portion of infertility treatments.

With your help, that could change.

Senator Kirsten Gillibrand (NY) has introduced a bill in the U.S. Senate that would provide eligible taxpayers with a tax credit for expenses incurred during infertility medical treatment.

The S 965 bill, fittingly named the “Family Act of 2011,” would provide a tax credit for up to 50% of expenses incurred during infertility medical treatments.

S 965 now needs co-sponsors in the U.S. Senate.

If you or someone you love has been impacted by infertility, here’s how you can help:

Contact your two senators. The National Infertility Association, RESOLVE, offers an online form to make things easy for you. (If you prefer not to use the online form, you can also find information on your senators on the U.S. Senate website.)

Ask your friends and family to complete the form or write a letter to their senators.

Lastly, don’t underestimate the power of social media. Share the information about the tax credit with anyone who will listen by posting it to Facebook, tweeting about it, or writing about it on your blog.

So many couples dream of building a family. The prohibitive cost of IVF treatments shouldn’t stand in their way.

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About Nichole



Nichole Beaudry lives in Sacramento, California with her husband Craig, their daughter Katie and baby boy Matthew. In her former life she was a college English professor, now she shares some of her small moments in her Practicing Gratitude column each week at SheKnows and works at AllParenting as the Assignments Editor. She was a contributor to Babble, and currently keeps a personal blog, In These Small Moments.

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5 thoughts on “Can You Put a Price on Family?

  1. Leah says:

    For those unsure about the cost of “elective” procedure and how that affects insurance premiums, most analysis suggest that making IVF and other fertility treatments covered under insurance will reduce medical costs because couples will be less likely to take risks and implant multiple embryos and thus more likely to carry the resulting pregnancy to term without complications. 13K is nothing when you start talking about NICU costs, this is a win-win no matter your politics.

  2. angela says:

    I appreciate you sharing this information and the on-line form. I have a few friends who have gone through a ton of money for fertility treatments (including one who spent over $40K last year alone. Insurance is so goofy about what is/isn’t covered :(

  3. MelanieBlodgett says:

    I wish there was more legislation on this. IVF is ridiculously expensive. Our doctor quoted us at $20,000! I’m tempted to move to Illinois where they have better coverage.

  4. Amanda H. says:

    I agree with this bill, it shouldn’t cost so much out of pocket for these families. Insurance companies do everything they can to avoid paying for so much, it’s unreal.

  5. JLindseyMorgan says:

    I may sound mean, but this seems silly to me. My insurance offers no infertility coverage, other than labwork and things like that…nor would I expect it to. I expect my insurance to cover necessary treatments, medications, procedures and preventive care. I have to take medication to treat an illness, I do NOT have to undergo fertility treatments to be a parent. If you can’t conceive, and cant afford the costs associated with fertility treatment(which many doctors use irresponsibly with what seems to be very little regard for the health of the mother and the potential child), then adopt a child. Adoption can be a rewarding alternative…especially when you see people suffer through multiple rounds of IVF and at the end of the day the only thing they have to show for it is the extra debt from financing the procedures. I feel badly for people when they are told they can not have a child naturally…I was one of those people. I know what that feels like. But to put yourself and your family through hell to conceive just makes no sense to me.

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