Money – What does fertility treatment cost and who pays for it?

The costs for examinations to determine the cause of infertility will be paid for by your health insurance without exception. Not so with the therapy. Not all treatments are covered by insurance. For this reason it is wise to consult with your insurance provider in advance. In every case, it is a requirement that you are married in order to get a 50% copayment.

After a sterilization, there is no general right to payment for medical support for conception. Exceptions must be approved by your insurance provider.
For insemination and IVF-treatment the insurance will pay half of the costs if you are married and there is sufficient chance of success. All variations of artificial fertilization require a 50% copayment after advance approval of a treatment plan.

Insemination
Half the charges will be reimbursed up to 3 times for insemination with the semen of the spouse during a hormone stimulated cycle and up to 8 times if the cycles are not hormone stimulated.

In-vitro-Fertilization (IVF)
The health insurance of the woman usually covers half the charges if the doctor attests to the necessity of the procedure. If three treatments have not led to pregnancy, further treatments must be approved by the insurance provider. The coverage may vary with private insurance providers.

Micro-Injection (ICSI)
Micro-Injection is the newest method in reproductive medicine. Health insurance providers cover half the costs.
In dealing with public heath insurance providers the wife’s insurance is responsible. Responsibility should be clarified in advance if private providers are involved.

Cryoconservation
If you want to save surplus egg cells for future IVF-cycles, you will be required to pay for the storage costs yourself.