Beyond Your Health Plan: More Ways to Plan for Fertility Costs in Georgia
Checking what your health plan covers is a smart first step, but details that often fly under the radar can change what you actually pay. Here’s what else to know as you plan for fertility care. If you haven’t checked your coverage yet, start with our guide to open enrollment and fertility coverage in Georgia.
Find Out If Your Plan Is Self-Funded
If your plan comes through a large employer, it may be "self-funded." That means your company pays claims directly instead of buying a standard insurance policy.
Self-funded plans usually don't have to follow state insurance laws, so a new Georgia law may not apply to you. A quick question to HR can save you a surprise later.
Curious about what's changing in Georgia? Our guide to Georgia's new fertility insurance laws breaks it down.
Set Aside Money with an FSA or HSA
If you're planning treatment next year, consider putting pre-tax money into a flexible spending account (FSA) or health savings account (HSA). Both can be used for many fertility costs, and both lower your taxable income.
- FSA: You usually have to choose your amount during open enrollment, so add it to your list now
- HSA: Available if you're enrolled in a high-deductible health plan. Unused money rolls over year to year
If Your Plan Doesn't Cover IVF
You still have options. Many of our patients combine a few of these:
- Our financing and payment plans built for fertility care
- Discount programs, including our program for healthcare workers and first responders
- Grants and support from RESOLVE: The National Infertility Association, Baby Quest, and more
We're Here to Help
Insurance can feel confusing, and you don't have to figure it out alone. Visit our fertility insurance coverage page to learn more, or schedule your first visit and our team will help you understand your benefits.