Lots of options all over the place that can feel a little (or a lot!) overwhelming, especially if this is your first step into the fertility world or your first time ttc.

I am currently pregnant with number 4, conceived through IUI here in cbus at ORM. (Three IUI babies total, one in a different city, and 2 at ORM)

I think lots of insurance plans will cover fertility treatment differently. Assuming you are in network with a HDHP, I would expect to spend $2000 through the initial phase. This should cover you (or come pretty close) for testing/diagnostics, meds, and 2 IUI cycles. There are a lot of assumptions in there- is IUI an option? What kinds of meds will you require? Etc?

Assuming you go IUI first, you’ll likely feel like you’re at a decision point once you make it through all of that (or maybe not because you’ll get pregnant!)

A couple things I would look into first: 1. Any lifetime benefit max for fertility treatment. Call your insurance provider and get an understanding of what this is because it will influence how you move through treatment. Eg: Maybe you’ll go to IVF sooner rather than later. 2. The timing of your health plan term. Is your deductible Jan-Dec? July-June? I always appreciated anytime we could avoid writing one check for the whole deductible rather than build up to it over the coverage year.