Cost Considerations for Moms to Be

Cost Considerations for LGBTQ Moms

As you begin to think about building your family, one of the first questions you may have is the financial aspect — how much is this going to cost, and will it be covered by insurance? At Gay Parents To Be, we understand that this can be big hurdle for many moms to be. Our team is here to help you overcome it.

Even before your initial consultation, your dedicated Insurance and Billing Advocate will reach out to you to discuss your personal coverage and do a benefits check. After that, you’ll meet with your financial advocate again to review your benefits and our financial plans. Although insurance coverage and the cost of each journey varies from patient to patient, we’ve compiled a list of frequently asked questions and answers to help you get started.

Cost Considerations for Moms to Be
  • I’ve just started thinking about building my family. What is the first step I should take to when it comes to financial planning for this journey?

    The best way to verify your own coverage is always going to be to call the number on the back of your insurance card, but some things that may be covered by insurance are:

    • Initial consultation
    • Bloodwork
    • Ultrasound
    • Genetic carrier screening
  • What questions should I ask when I call my insurance company?

    Be sure to ask what fertility coverage is offered on this plan. In addition, it’s important to ask:

    • Do I have IUI and/or IVF coverage? How many cycles are covered?
    • Is cycle monitoring or medication covered on this plan?

    And remember — your financial advocate at Gay Parents To Be can help you understand your costs and coverage.

  • I know my biological family building pathway is going to involve an sperm donor — will my insurance cover this?

    Unfortunately, the cost of donor sperm is typically not covered by insurance. This cost depends on the cryobank that you choose to source donor sperm. The Gay Parents To Be team can point you in the direction of cryobanks that we frequently work with after your initial consultation.

  • Are there any insurance companies that offer insurance benefits for LGBTQ individuals and couples?

    Companies such as Progyny offer coverage for moms to be. And don’t worry, many moms to be have a primary insurance carrier, as well as their Progyny policy.You can learn more here.

  • Are there additional costs that I’m going to need to budget for?

    Although coverage varies from plan to plan and patient to patient, some things that you may need to budget for include:

    • Donor sperm purchased from a cryobank
    • Required consultation with a program social worker to use donor gametes (sperm)
    • Treatment cycles – IUI, IVF, or reciprocal IVF

    For same sex single females or couples, even if treatment cycles are standardly covered on an insurance policy, there may be certain requirements to qualify for that coverage. Calling your insurance company directly is the best way to find out what coverage you have this year.

  • What financial plans are offered through Gay Parents To Be?

    Gay Parents To Be offers many plans that may pertain to your cycle as a single mom to be, or couple. After your consultation, your insurance and billing advocate will explain the financial options to you, and help you determine which is best for your journey.

Cost questions

What are the costs if I work with Gay Parents To Be?

The costs of your journey will depend on your insurance coverage and your personalized plan for family building, which your care team will help you assemble after a consultation and a fertility assessment.
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