Q&A: Will my health insurance cover artificial insemination?

Probably not. But health insurance coverage for infertility treatments is changing, so you should check with your health insurance provider. If you received your health insurance through your employer, you might want to talk to your human resources department representative first. He or she usually knows what your health insurance covers and what to ask your insurer when you call with questions. Keep in mind that large companies often have several health insurance plans available with various co-pay options. If one plan doesn't have any infertility coverage another one might.

Depending on the state you live in, there may be laws dictating what your health insurance provider has to cover—sometimes this includes fertility treatments. Visit the American Society for Reproductive Medicine for a run-down of these laws.