I am single and got my IVF covered by insurance, but it was through a really specific loophole. I'm at risk of having a baby with severe genetic defects if I tried to get pregnant through IUI, but with IVF, I was able to screen those embryos out. So my insurance company didn't require me to do IUIs or TTC with a (nonexistent) partner because they didn't want to pay for the enormous cost of having a severely ill and permanently disabled child on my insurance policy. Not sure if every insurance company offers that loophole, but it would make sense for them to do so, since it saves them money in the long run.

OP here:
I 100% agree that having ANY fertility coverage is wonderful. I cannot do IUIs for medical reasons and need to go straight to super-expensive IVF So trying to figure out ways to afford this!

kshin29 wrote:OP here- there is no definition of infertility that doesn't include the words "heterosexual sex" except for one and you have to go through 6 IUIs first...which is ridiculous since IUIs have a very low success rate. What type of advocate do you suggest? One at the insurance company?

Lots of us here got pregnant on IUIs. It would be odder to me if your insurance covered extremely expensive IVF immediately when you haven’t tried…naturally…or via IUI. It sounds like they’re providing you options and IUI and potentially IVF is covered if you try the cheaper options first. Despite your sentiments, you’re very lucky, many of us have no fertility coverage.

For Maryland https://www.shadygrovefertility.com/affording-care/accepted-insurances/fertility-insurance-laws/maryland-mandate

Why don't you ask the financial counslor at your center?

Have you done diagnostic testing? If there is a valid reason that IUI won't work, that might help get approval. If not, why not try IUI?

OP here- there is no definition of infertility that doesn't include the words "heterosexual sex" except for one and you have to go through 6 IUIs first...which is ridiculous since IUIs have a very low success rate. What type of advocate do you suggest? One at the insurance company?

Does insurance cover gay people doing whatever it is you're trying to do? Then you should be covered to, reach out to a healthcare advocate.

Anyone have any tips on getting insurance to cover you if you are a single person trying to get coverage? I am "infertile" by definition of doing this alone but social infertility is not an accepted definition for insurance coverage. Really frustrating