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Home › Articles › Considering Pregnancy › Dollars & Sense of Infertility Treatment

Dollars & Sense of Infertility Treatment

How to Pay for Medical Care When You're Trying to Conceive

By Michele St. Martin

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This is not the first time the EEOC has ruled that infertility is a disability and thus, covered under the Americans with Disability Act; in October of 1998 they found that Franklin Covey had discriminated against employee Rochelle Saks by not covering her medically necessary infertility treatment in their self-insured policy. According to legal experts, most courts will continue to find infertility to be a disability. But these opinions are just that, and while the future may be promising for mandating treatment, what about the here and now?

States Without Coverage
*Charlotte and Bob Fairchild illustrate how a lack of insurance coverage for infertility can affect the lives of an infertile couple. The Fairchilds live in a state (Georgia) that does not mandate insurance coverage for infertility. In four years, they spent about $60,000 on treatment. They have made numerous financial sacrifices in pursuit of a family.

"We have not had vacations, except to visit relatives," she says. "We drive old cars. We use coupons, never eat out, never see movies, don't get the [news] paper. Bob takes his lunch to work, we cut up the credit cards and don't buy new clothes. I have home parties for Tupperware, jewelry or crystal to get presents for family." She adds that they also cashed in retirement stocks four tims and maxed out credit cards twice to pay for treatment. She has been pregnant twice, with both pregnancies ending in miscarriage.


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