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new roman',times,serif;font-size:1.125rem;line-height:1.5625rem;margin-left:20px;margin-right:20px;width:calc(100% - 40px);max-width:600px;}@media (min-width:740px){.css-at9mc1{margin-bottom:0.9375rem;margin-top:0;}}.css-at9mc1 .css-yywogo{-webkit-text-decoration:underline;text-decoration:underline;-webkit-text-decoration-style:solid;text-decoration-style:solid;-webkit-text-decoration-thickness:1px;text-decoration-thickness:1px;-webkit-text-decoration-color:var(--color-signal-editorial,#326891);text-decoration-color:var(--color-signal-editorial,#326891);}.css-at9mc1 .css-yywogo:hover,.css-at9mc1 .css-yywogo:focus{-webkit-text-decoration:none;text-decoration:none;}@media (min-width:740px){.css-at9mc1{font-size:1.25rem;line-height:1.875rem;}}.css-at9mc1:first-child{margin-top:0;}.css-at9mc1:last-child{margin-bottom:0;}.css-at9mc1.e1h9rw200:last-child{margin-bottom:0.75rem;}.css-at9mc1.eoo0vm40:first-child{margin-top:0.8125rem;}@media (min-width:600px){.css-at9mc1{margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-at9mc1{margin-left:0;margin-right:0;width:100%;max-width:100%;}.css-at9mc1.eoo0vm40:first-child{margin-top:1.1875rem;}}@media print{.css-at9mc1{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-2fg4z9{font-style:italic;}.css-11iyrz3{background-color:var(--color-background-secondary,#F8F8F8);border-bottom:1px solid var(--color-stroke-quaternary,#DFDFDF);border-top:1px solid var(--color-stroke-quaternary,#DFDFDF);margin:2rem auto;padding-bottom:30px;padding-top:12px;text-align:center;position:relative;margin-top:1rem;min-height:280px;}@media (min-width:740px){.css-11iyrz3{margin:3rem auto;}}@media print{.css-11iyrz3{display:none;}}@media (min-width:740px){.css-11iyrz3{margin-bottom:3rem;margin-top:2rem;}}.css-1ho5u4o{list-style:none;margin:0 0 15px;padding:0;}@media (min-width:600px){.css-1ho5u4o{display:inline-block;}}.css-t8x4fj{list-style:none;line-height:8px;padding:0;}.css-t8x4fj:last-child > li{margin:16px 0 0 0;}@media (min-width:600px){.css-t8x4fj{display:inline-block;}}.css-a7htku{display:inline-block;line-height:20px;padding:0 10px;}.css-a7htku:first-child{border-left:none;}.css-a7htku.desktop{display:none;}@media (min-width:740px){.css-a7htku.smartphone{display:none;}.css-a7htku.desktop{display:inline-block;}.css-a7htku.mobileOnly{display:none;}}.css-ui2i83{color:#999999;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;font-family:nyt-franklin,helvetica,arial,sans-serif;font-size:17px;margin-bottom:5px;margin-bottom:0;}@media print{.css-ui2i83{display:none;}}@media (min-width:1024px){.css-1nf2dl3{position:relative;border-bottom:none;position:inherit;width:inherit;z-index:inherit;}}.css-1ygeb3d{position:relative;margin:0 auto;}@media (min-width:600px){.css-1ygeb3d{margin:0 auto 20px;}}.css-1ygeb3d .relatedcoverage + .recirculation{margin-top:20px;}.css-1ygeb3d .wrap + .recirculation{margin-top:20px;}.css-1gfen40{list-style:none;}.css-1u37br4{color:var(--color-content-primary,#121212);font-family:nyt-cheltenham,cheltenham-fallback-georgia,cheltenham-fallback-noto,georgia,'times new roman',times,serif;font-weight:400;font-size:1.625rem;line-height:1.875rem;margin-left:20px;margin-right:20px;width:calc(100% - 40px);max-width:600px;margin:30px 20px 0.75rem;text-align:left;}@media (min-width:740px){.css-1u37br4{font-size:1.75rem;line-height:2.125rem;}}.css-1u37br4 .css-yywogo{color:var(--color-signal-editorial,#326891);-webkit-text-decoration:underline;text-decoration:underline;-webkit-text-decoration-thickness:1px;text-decoration-thickness:1px;text-underline-offset:3px;}.css-1u37br4 .css-yywogo:hover,.css-1u37br4 .css-yywogo:focus{-webkit-text-decoration:none;text-decoration:none;}.css-1u37br4:first-child{margin-top:0;}.css-1u37br4:last-child{margin-bottom:0;}.css-1u37br4.e1h9rw200:last-child{margin-bottom:0.75rem;}.css-1u37br4.eoo0vm40:first-child{margin-top:0.8125rem;}@media (min-width:600px){.css-1u37br4{margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-1u37br4{margin-left:0;margin-right:0;width:100%;max-width:100%;}.css-1u37br4.eoo0vm40:first-child{margin-top:1.1875rem;}}@media print{.css-1u37br4{margin-left:0;margin-right:0;width:100%;max-width:100%;}}@media (min-width:740px){.css-1u37br4{margin-top:35px;margin-left:auto;margin-right:auto;margin-bottom:1.25rem;}}@media print{.css-1u37br4{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-1wyt60f{margin:1.25rem auto 1.5rem;margin-top:0;}.css-1wyt60f strong{font-weight:700;}.css-1wyt60f em{font-style:italic;}.css-1wyt60f.sizeSmall{width:calc(100% - 40px);display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}@media (min-width:600px){.css-1wyt60f.sizeSmall{max-width:600px;margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-1wyt60f.sizeSmall{width:100%;}}@media (min-width:1440px){.css-1wyt60f.sizeSmall{max-width:600px;}}.css-1wyt60f.sizeSmall.sizeSmallNoCaption{display:block;}@media print{.css-1wyt60f.sizeSmall.sizeSmallNoCaption{display:none;}}.css-1wyt60f.sizeMedium{width:100%;max-width:600px;margin-right:auto;margin-left:auto;}@media (min-width:600px){.css-1wyt60f.sizeMedium{width:calc(100% - 40px);}}@media (min-width:740px){.css-1wyt60f.sizeMedium{max-width:600px;}}@media (min-width:600px){.css-1wyt60f.sizeMedium.layoutVertical{width:420px;}}.css-1wyt60f.sizeMedium.layoutVertical.verticalVideo{width:100%;}@media (min-width:600px){.css-1wyt60f.sizeMedium.layoutVertical.verticalVideo{width:420px;}}.css-1wyt60f.sizeLarge{width:100%;max-width:1200px;margin-left:auto;margin-right:auto;}@media (min-width:600px){.css-1wyt60f.sizeLarge{width:auto;}}@media (min-width:740px){.css-1wyt60f.sizeLarge.layoutVertical{width:600px;}.css-1wyt60f.sizeLarge.layoutVertical.verticalVideo{width:600px;}}@media (min-width:1024px){.css-1wyt60f.sizeLarge{width:945px;}}@media (min-width:1440px){.css-1wyt60f.sizeLarge{width:1200px;}.css-1wyt60f.sizeLarge.layoutVertical{width:720px;}.css-1wyt60f.sizeLarge.layoutVertical.verticalVideo{width:600px;}}@media (min-width:740px){.css-1wyt60f{margin:2.5rem auto;}}@media print{.css-1wyt60f{display:none;}}@media (min-width:600px){.css-1wyt60f{margin-top:0;}}@media (min-width:1024px){.css-1wyt60f{max-width:none;width:100%;}}.css-mm25ji{height:auto;width:100%;width:100%;vertical-align:top;}.css-mm25ji img{width:100%;vertical-align:top;}@media (min-width:1024px){@supports (object-fit:cover){.css-mm25ji{object-fit:cover;object-position:50% 50%;width:100vw;height:100vh;}}.css-mm25ji.Image-image{object-fit:cover;object-position:50% 50%;width:100vw;height:100vh;}}.css-yi0xdk{display:none;display:none;}@media (min-width:1024px){.css-yi0xdk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;margin-bottom:40px;}}.css-141yyh8{width:calc(100% - 40px);margin-bottom:25px;color:#333333;margin-left:20px;margin-right:20px;max-width:600px;}@media (min-width:600px){.css-141yyh8{margin-left:auto;margin-right:auto;}}@media (min-width:1024px){.css-141yyh8{text-align:left;}}@media (min-width:1440px){.css-141yyh8{max-width:600px;}}@media print{.css-141yyh8{margin-left:0;margin-right:0;width:100%;max-width:100%;}}.css-1336jj{--tpl-color-content-primary:hsla(0,0%,7.06%,1);--tpl-color-content-primaryDim:hsla(0,0%,21.18%,1);--tpl-color-content-secondary:hsla(0,0%,35.3%,1);--tpl-color-content-secondaryDim:hsla(0,0%,44.71%,1);--tpl-color-content-accent:hsla(213.44,55.75%,46.08%,1);--tpl-color-content-accentDim:hsla(205.9,48.72%,38.24%,1);--tpl-color-content-positive:hsla(126.98,53.09%,31.77%,1);--tpl-color-content-negative:hsla(354.29,98.83%,33.34%,1);--tpl-color-content-breaking:hsla(352.72,98.1%,41.18%,1);--tpl-color-content-placeholder:hsla(0,0%,54.51%,1);--tpl-color-stroke-primary:hsla(0,0%,7.06%,1);--tpl-color-stroke-secondary:hsla(0,0%,59.22%,1);--tpl-color-stroke-tertiary:hsla(0,0%,87.46%,1);--tpl-color-background-primary:hsla(0,0%,100%,1);--tpl-color-background-secondary:hsla(0,0%,97.26%,1);--tpl-color-background-tertiary:hsla(0,0%,92.16%,1);--tpl-color-background-highlight:hsla(54.67,95.75%,90.79%,1);--tpl-color-background-scrim:hsla(0,0%,7%,0.6);--serif:georgia,'times new roman',times,serif;--sans-serif:helvetica,arial,sans-serif;--cheltenham:"nyt-cheltenham",var(--serif);--franklin:"nyt-franklin",var(--sans-serif);--imperial:"nyt-imperial",var(--serif);--karnak:"nyt-karnak",var(--serif);--cheltenham-condensed:"nyt-cheltenham-cond",var(--serif);--cheltenham-text-condensed:"nyt-cheltenham-text-cond",var(--serif);}@media (forced-colors:none){.css-1336jj *{outline:0.125rem solid var(--tpl-color-content-accent,#346EB7);outline-offset:0.125rem;outline-color:transparent;}}@media (prefers-reduced-motion:no-preference){.css-1336jj *{-webkit-transition:outline-color 100ms ease-out;transition:outline-color 100ms ease-out;}}.css-1336jj *:focus{outline:0.125rem solid var(--tpl-color-content-accent,#346EB7);outline-offset:0.125rem;}.css-1336jj *:focus:not(:focus-visible){outline:0.125rem solid transparent;}.css-1336jj *:focus-visible{outline:0.125rem solid var(--tpl-color-content-accent,#346EB7);outline-offset:0.125rem;}.css-1g71tqy{-webkit-animation:fadeIn 2s ease;animation:fadeIn 2s ease;overflow:hidden;display:grid;grid-row-gap:24px;justify-items:center;margin-left:20px;margin-right:20px;padding:32px 0 40px 0;}@-webkit-keyframes fadeIn{0%{opacity:0;}50%{opacity:0;}100%{opacity:1;}}@keyframes fadeIn{0%{opacity:0;}50%{opacity:0;}100%{opacity:1;}}.css-1b5b8u1{display:block;}@media (prefers-color-scheme:dark){[data-dark-mode] .css-1b5b8u1 .icon-light{visibility:hidden;}}.css-1b5b8u1 .icon-dark{visibility:hidden;}@media (prefers-color-scheme:dark){[data-dark-mode] .css-1b5b8u1 .icon-dark{visibility:visible;}}.css-3kpklk{margin:0;color:var(--tpl-color-content-secondaryDim,#727272);font:500 1rem/1.3 nyt-franklin,helvetica,arial,sans-serif;}.css-2u4hqh{top:0;position:-webkit-sticky;position:sticky;background-color:var(--color-background-elevated,#FFFFFF);z-index:902;display:none;}@media (min-width:1024px){.css-2u4hqh{margin-top:3px;}}@media (min-width:1024px){.css-2u4hqh:empty{margin-top:0;}}@media print{.css-2u4hqh{display:none;}}.css-178vgup{font-style:normal;font-stretch:normal;margin-bottom:1.25rem;color:var(--color-content-secondary,#363636);font-family:nyt-cheltenham,cheltenham-fallback-georgia,cheltenham-fallback-noto,georgia,'times new roman',times,serif;font-weight:300;font-size:1.25rem;line-height:1.5625rem;text-align:left;margin:0 20px 1.6rem;}@media (min-width:740px){.css-178vgup{font-size:1.4375rem;line-height:1.875rem;}}@media (min-width:740px){.css-178vgup{margin-bottom:1.875rem;}}.css-nncpar{margin-bottom:0.75rem;color:var(--color-content-secondary,#363636);font-family:nyt-franklin,helvetica,arial,sans-serif;font-weight:700;font-size:1.125rem;line-height:1.5rem;}@media (min-width:740px){.css-nncpar{margin-bottom:0.9375rem;}}.css-nncpar .css-yywogo{-webkit-text-decoration:underline;text-decoration:underline;-webkit-text-decoration-thickness:1px;text-decoration-thickness:1px;text-underline-offset:2px;}.css-nncpar .css-yywogo:hover,.css-nncpar .css-yywogo:focus{-webkit-text-decoration:none;text-decoration:none;}@media (min-width:740px){.css-nncpar{font-size:1.25rem;line-height:1.75rem;}}.css-1lg5m92{margin-bottom:1rem;list-style:disc;padding-left:0;margin-left:0.875rem;font-family:nyt-franklin,helvetica,arial,sans-serif;font-size:17px;line-height:25px;margin-left:0;hanging-punctuation:first;}.css-1lg5m92 a,.css-1lg5m92 span{color:var(--color-content-secondary,#363636);-webkit-text-decoration:none;text-decoration:none;border-bottom:1px solid var(--color-stroke-tertiary,#C7C7C7);}.css-1lg5m92 a:hover,.css-1lg5m92 span:hover{-webkit-text-decoration:none;text-decoration:none;}.css-ctbra{color:#999999;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;font-family:nyt-franklin,helvetica,arial,sans-serif;font-size:17px;margin-bottom:5px;margin-bottom:20px;border-bottom:1px solid #ebebeb;padding-bottom:25px;margin-bottom:25px;}@media print{.css-ctbra{display:none;}}@media (min-width:740px){.css-ctbra{margin-bottom:25px;}}.css-11vzj2f{color:var(--color-content-quaternary,#727272);font-family:nyt-imperial,georgia,'times new roman',times,serif;margin-top:6px;margin-right:50px;margin-bottom:0;max-width:900px;text-align:left;display:none;font-size:0.875rem;line-height:1.125rem;margin-left:20px;}@media (min-width:1024px){.css-11vzj2f{display:block;margin-left:50px;}}@media (min-width:1440px){.css-11vzj2f{font-size:0.9375rem;line-height:1.25rem;}}@media (min-width:1024px){.css-11vzj2f{margin-left:auto;margin-right:30px;text-align:right;width:calc(50% - 30px);}}.css-18h6vyh{position:relative;}.sizeSmall .css-18h6vyh{width:50%;}@media (min-width:600px){.sizeSmall .css-18h6vyh{width:300px;}}@media (min-width:1440px){.sizeSmall .css-18h6vyh{width:300px;}}@media (max-width:600px){.sizeSmall .css-18h6vyh{width:50%;}}.sizeSmall.sizeSmallNoCaption .css-18h6vyh{margin-left:auto;margin-right:auto;}@media (min-width:740px){.sizeSmall.layoutVertical .css-18h6vyh{max-width:250px;}}@media (min-width:1024px){.sizeSmall.layoutVertical .css-18h6vyh{width:250px;}}@media (max-width:740px){.sizeSmall.layoutVertical .css-18h6vyh{max-width:250px;}}@media (min-width:740px){.sizeSmall.layoutHorizontal .css-18h6vyh{max-width:300px;}}@media (min-width:1024px){.sizeSmall.layoutHorizontal .css-18h6vyh{width:300px;}}@media (max-width:740px){.sizeSmall.layoutHorizontal .css-18h6vyh{max-width:300px;}}@media (min-width:600px){.sizeMedium.layoutVertical.verticalVideo .css-18h6vyh{width:420px;}}@media (min-width:1024px){.css-18h6vyh{background-color:#fff;height:100vh;}}.css-1bcu9v6{position:absolute;top:6px;width:100%;z-index:1000000000;}@media print{.css-1bcu9v6{display:none;}}.css-hdgjxg{background:transparent;border-bottom:1px solid #e2e2e2;height:36px;padding:8px 15px 3px;position:relative;background:transparent;border-bottom:none;max-width:100%;top:-7px;background:hsla(0,0%,100%,0.25);}@media (min-width:740px){.css-hdgjxg{background:transparent;padding:8px 15px 3px;}}@media (min-width:1024px){.css-hdgjxg{background:transparent;border-bottom:0;padding:4px 15px 2px;}}@media (min-width:740px){.css-hdgjxg{background:hsla(0,0%,100%,0.25);}}@media (min-width:1024px){.css-hdgjxg{margin:0 auto;max-width:1605px;background:hsla(0,0%,100%,0);}}.css-a44i74{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:space-around;-webkit-justify-content:space-around;-ms-flex-pack:space-around;justify-content:space-around;left:10px;position:absolute;}@media (min-width:1024px){.css-a44i74{left:20px;}}@media print{.css-a44i74{display:none;}}.css-72qxfg{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:space-around;-webkit-justify-content:space-around;-ms-flex-pack:space-around;justify-content:space-around;position:absolute;right:10px;top:8px;}@media (min-width:1024px){.css-72qxfg{top:4px;right:20px;}}@media 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css-1e2jphy epjyd6m2"><div class="css-233int epjyd6m1"><p class="css-4anu6l e1jsehar1"><span class="byline-prefix">By </span><span class="css-1baulvz last-byline" itemProp="name">Amy Klein</span></p><div class="css-1gqes1i epjyd6m0"></div></div></div><ul class="css-1cgskve epjyd6m4"><li class="css-ccw2r3 epjyd6m3"><time class="css-1uc6ajg e16638kd0" dateTime="2020-04-18T16:57:28-04:00">April 18, 2020</time></li></ul></div></div></div><section name="articleBody" class="meteredContent css-1r7ky0e"><div class="css-s99gbd StoryBodyCompanionColumn" data-testid="companionColumn-0"><div class="css-53u6y8"><p class="css-at9mc1 evys1bk0"><em class="css-2fg4z9 e1gzwzxm0">This guide was originally published on June 20, 2019 in NYT Parenting.</em></p></div><aside class="css-ew4tgv" aria-label="companion column"></aside></div><div data-testid="InteractiveBlock-1"><div style="max-width:100%;margin:0 auto" class=""><div data-id="100000007082270" data-slug="xx-interactive-box-ivfcost" class="css-1ax702a" style="max-width:600px"><iframe src="https://www.nytimes.com/interactive/2025/uri/embeddedinteractive/96141798-b76d-53b7-ba0d-4759a16ede09?" class="css-sqdgy8" frameBorder="0" scrolling="no" width="100%"></iframe></div></div></div><div class="css-s99gbd StoryBodyCompanionColumn" data-testid="companionColumn-1"><div class="css-53u6y8"><p class="css-at9mc1 evys1bk0">I always knew that raising a child would be expensive, but I never knew that trying to have one could be — until I discovered my husband and I needed fertility treatment.</p><p class="css-at9mc1 evys1bk0">One of the worst parts of <a class="css-yywogo" href="https://parenting.nytimes.com/becoming-a-parent/ivf-treatment?module=editors-picks&action=click&region=3" title="">in vitro fertilization</a> was dealing with the financial burdens it created.</p><p class="css-at9mc1 evys1bk0">I had partial, limited fertility coverage, which seemed like the worst of both worlds: I had to deal with insurance, but it still did not cover everything. In the four years it took my husband and I to have a baby, I spent countless hours on the phone with insurance companies, pharmacies, doctor’s office billing departments and even shipping companies (“Where are my <em class="css-2fg4z9 e1gzwzxm0">meds</em>!”) to understand my coverage, its cost and how to receive what I needed in time for treatment.</p><p class="css-at9mc1 evys1bk0">Now, after speaking with several fertility experts who deal with finances; an economist studying fertility and insurance; and parents, bloggers and advocates who’ve gone through <a class="css-yywogo" href="https://www.nytimes.com/2021/11/09/us/fertility-clinic-embryo-mixup.html" title="">I.V.F.</a>, I’ve discovered some ways to make the financial process a little less painful.</p></div><aside class="css-ew4tgv" aria-label="companion column"></aside></div><div data-testid="Dropzone-3"></div><div data-testid="UnstructuredBlock-4"><div class="css-1dd11nz e9xetbc2"><h3 class="css-nncpar e1gnsphs0">What to Do</h3><ul class="false css-1gfen40 ez3869y0"><li class="css-1lg5m92 eoqvrfo0"><a href="#link-6bc3d3d2">Call your insurance provider before visiting fertility clinics.</a></li><li class="css-1lg5m92 eoqvrfo0"><a href="#link-42a3d754">Estimate how much you’ll have to spend.</a></li><li class="css-1lg5m92 eoqvrfo0"><a href="#link-728946b4">When you have compiled information about cost, make a financial plan.</a></li><li class="css-1lg5m92 eoqvrfo0"><a href="#link-2d39d4ce">Figure out how you will pay for treatment.</a></li><li class="css-1lg5m92 eoqvrfo0"><a href="#link-8de3b8e">Acknowledge that you may need breaks.</a></li></ul></div></div><div class="css-s99gbd StoryBodyCompanionColumn" data-testid="companionColumn-2"><div class="css-53u6y8"><h2 class="css-1u37br4 eoo0vm40" id="link-6bc3d3d2">Call your insurance provider before visiting fertility clinics.</h2><p class="css-at9mc1 evys1bk0">Before you visit a fertility clinic, the first thing to know is whether you have any fertility coverage — and what kind.</p><div class="css-1336jj"><div class="css-121kum4"><div class="css-171quhb"></div><div class="css-asuuk5"><noscript><div class="css-7axq9l" data-testid="optimistic-truncator-noscript"><svg width="24" height="24" viewBox="0 0 24 24" aria-hidden="true" class="css-1b5b8u1"><path fill="currentColor" fill-rule="evenodd" d="M2.5 12a9.5 9.5 0 1 1 19 0 9.5 9.5 0 0 1-19 0Zm8.5 1.75v-7.5h2v7.5h-2Zm0 2v2h2v-2h-2Z" clip-rule="evenodd"></path></svg><div data-testid="optimistic-truncator-noscript-message" class="css-6yo1no"><p class="css-3kpklk">We are having trouble retrieving the article content.</p><p class="css-3kpklk">Please enable JavaScript in your browser settings.</p></div></div></noscript><div class="css-1dv1kvn" id="optimistic-truncator-a11y" tabindex="-1"><hr/><p>Thank you for your patience while we verify access. 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But there are ways to ease the financial burden."}],"textAlign":"LEFT"},"textPosition":{"__typename":"HeaderFullBleedTextPosition","desktop":"DESKTOP_BOTTOM_LEFT","mobile":"MOBILE_BELOW_LEDE"},"timestampBlock":{"__typename":"TimestampBlock","align":"LEFT","showUpdatedTimestamp":null,"timestamp":"2020-04-18T20:57:28.000Z"}},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[{"__typename":"ItalicFormat","type":null}],"text":"This guide was originally published on June 20, 2019 in NYT Parenting."}],"textAlign":"LEFT"},{"__typename":"InteractiveBlock","media":{"__typename":"EmbeddedInteractive","advertisingProperties":{"__typename":"CreativeWorkAdvertisingProperties","sensitivity":"SHOW_ADS"},"appName":"","bylines":[],"compatibility":"NYT5","credit":"","dataSource":"","displayProperties":{"__typename":"CreativeWorkDisplayProperties","displayForPromotionOnly":false,"displayOverrides":[],"maxWidth":600,"maximumWidth":600,"minWidth":300,"minimumWidth":300},"headline":{"__typename":"CreativeWorkHeadline","default":""},"html":"\u003Cstyle\u003E\n\n.interactive-embedded{\n border-top:1px solid rgba(0,0,0,.0);\n border-bottom:1px solid rgba(0,0,0,.0);\n border-radius: 7px;\n padding:20px 20px 10px 20px;\n background-color: rgb(253, 227, 218);\n}\n#reporting-info p{\n font-size:15px;\n line-height:18px;\n font-weight:400;\n color:#666;\n}\n\n.bulletList {\n margin-bottom:15px;\n font-family: \"nyt-franklin\", helvetica, arial, sans-serif;\n}\n\nul {\n list-style-type: disc;\n padding: 0px 20px 0px 20px;\n\n}\n\n#reporting-info h2{\n font-family: \"nyt-franklin\", helvetica, arial, sans-serif;\n font-size:18px;\n color: rgb(0,0,0);\n margin-left: 21px;\n margin-top: 5px;\n \n}\n\n\u003C\u002Fstyle\u003E\n\n\n\u003Cdiv id=\"reporting-info\"\u003E\n\n\u003Ch2\u003EThe Gist\u003C\u002Fh2\u003E\n\n\u003C!-- DO NOT ALTER CODE ABOVE THIS LINE --\u003E\n\n\u003Cp\u003E\n\u003Cul\u003E\n\u003Cli class=\"bulletList\"\u003E In vitro fertilization is covered by some, but not all, insurance plans. Call your insurance provider right after you’ve been diagnosed with infertility to understand exactly what’s covered.\u003C\u002Fli\u003E\n\u003Cli class=\"bulletList\"\u003E It’s difficult to know at the outset how much your fertility treatments will cost. If you make a fertility plan, saying, we’d do X amount of intrauterine inseminations (when a doctor injects sperm directly into the uterus) and Y number of I.V.F. cycles, it can help you get a better sense of the cost from the start.\u003C\u002Fli\u003E\n\u003Cli class=\"bulletList\"\u003E There are ways to raise money for your treatment, including applying for grants, participating in research studies or even starting a social media campaign (if you’re comfortable). You can also try negotiating directly with your clinic to bring down costs. \u003C\u002Fli\u003E\n\u003Cli class=\"bulletList\"\u003E Some companies and consultants can deal with insurance on your behalf, and even offer monthly payment plans for treatment. \u003C\u002Fli\u003E\n\u003Cli class=\"bulletList\"\u003E Lower-income families and women of color tend to have less access to fertility treatments than white women or those who are more affluent.\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003C\u002Fdiv\u003E","id":"RW1iZWRkZWRJbnRlcmFjdGl2ZTpueXQ6Ly9lbWJlZGRlZGludGVyYWN0aXZlLzk2MTQxNzk4LWI3NmQtNTNiNy1iYTBkLTQ3NTlhMTZlZGUwOQ==","leadin":"","note":"","promotionalMedia":null,"slug":"xx-interactive-box-ivfcost","sourceId":"100000007082270","storyFormat":null,"uri":"nyt:\u002F\u002Fembeddedinteractive\u002F96141798-b76d-53b7-ba0d-4759a16ede09"}},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":true,"index":0},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"I always knew that raising a child would be expensive, but I never knew that trying to have one could be — until I discovered my husband and I needed fertility treatment."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":1},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"One of the worst parts of "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fparenting.nytimes.com\u002Fbecoming-a-parent\u002Fivf-treatment?module=editors-picks&action=click®ion=3"}],"text":"in vitro fertilization"},{"__typename":"TextInline","formats":[],"text":" was dealing with the financial burdens it created."}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"I had partial, limited fertility coverage, which seemed like the worst of both worlds: I had to deal with insurance, but it still did not cover everything. In the four years it took my husband and I to have a baby, I spent countless hours on the phone with insurance companies, pharmacies, doctor’s office billing departments and even shipping companies (“Where are my "},{"__typename":"TextInline","formats":[{"__typename":"ItalicFormat","type":null}],"text":"meds"},{"__typename":"TextInline","formats":[],"text":"!”) to understand my coverage, its cost and how to receive what I needed in time for treatment."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":2},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Now, after speaking with several fertility experts who deal with finances; an economist studying fertility and insurance; and parents, bloggers and advocates who’ve gone through "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.nytimes.com\u002F2021\u002F11\u002F09\u002Fus\u002Ffertility-clinic-embryo-mixup.html"}],"text":"I.V.F."},{"__typename":"TextInline","formats":[],"text":", I’ve discovered some ways to make the financial process a little less painful."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":true,"adsDesktopHoldout":true,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":3},{"__typename":"UnstructuredBlock","data":"{\"type\":\"ExperimentalBlock_BulletBriefing\",\"content\":[],\"formats\":[],\"ledeText\":\"What to Do\",\"maxItems\":\"7\",\"minItems\":\"3\",\"media\":[],\"isUnstructured\":true}","dataType":"ExperimentalBlock_BulletBriefing","mediaRefs":[]},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":4},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Call your insurance provider before visiting fertility clinics."}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Before you visit a fertility clinic, the first thing to know is whether you have any fertility coverage — and what kind."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":5},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"“If you have health insurance through your or your partner’s employer, talk to the benefits person and find out exactly what is covered from your health insurance,” said Barbara Collura, president and C.E.O. of Resolve: The National Infertility Association. Collura noted that the exclusions on most full health benefits plan documents are “typically over 100 pages in teeny tiny font.”"}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":6},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"If you have an insurance plan through your state’s exchange, you might have coverage if "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"http:\u002F\u002Fwww.ncsl.org\u002Fresearch\u002Fhealth\u002Finsurance-coverage-for-infertility-laws.aspx"}],"text":"your state"},{"__typename":"TextInline","formats":[],"text":" has mandated fertility coverage. According to the National Conference of State Legislatures, only 14 states require insurance plans to cover infertility, and two — California and Texas — require insurers to "},{"__typename":"TextInline","formats":[{"__typename":"ItalicFormat","type":null}],"text":"offer"},{"__typename":"TextInline","formats":[],"text":" coverage. Though typically, only a small fraction of the cost, such as that of medications, is covered."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":7},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"If you do have fertility coverage, ask your insurance coordinator these questions:"}],"textAlign":"LEFT"},{"__typename":"ListBlock","content":[{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Are initial consultations covered — and if so, how many? (This may help you determine whether you can visit several clinics before choosing one.)"}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Does insurance cover diagnostic testing? While I.U.I. or I.V.F. procedures might not be covered, your blood work and ultrasound monitoring may be."}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Are medications covered, and do they need to be from a special pharmacy?"}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Which treatments are covered? Are both intrauterine insemination and I.V.F. included in coverage?"}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Is there a waiting period before qualifying for I.V.F.? Do you first have to try certain treatments, such as I.U.I., for example? (Some insurance companies require a few months of trying to conceive or a number of I.U.I.s before beginning I.V.F.)"}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Is there a cap on your coverage? Is there a dollar amount, a cycle amount or a lifetime limit?"}],"textAlign":"LEFT"}]}],"style":"UNORDERED"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"It may be challenging to get all the answers you need from your insurance company (take down the names of everyone you speak with so you’ll have a paper trail). Once you have chosen a clinic, another good resource is the billing coordinator there, who may be able to provide additional details."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":true,"adsDesktopHoldout":true,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":8},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Estimate how much you’ll have to spend."}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"It’s difficult to know what treatment will cost before you begin, and pricing can vary depending on where you live. According to the N.C.S.L., the average I.V.F. cycle can cost anywhere from $12,000 to $17,000 (not including medication). With medication, the cost can rise to closer to $25,000. Clinics define an I.V.F. cycle as one egg retrieval and all the embryo transfers that result from that retrieval."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":9},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"There are add-ons, including genetic testing of the embryos and surgical procedures (such as sperm extraction or laparoscopy), which can increase the cost of I.V.F. by thousands of dollars."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":10},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Most people will require more than one round of treatment, though exactly how "},{"__typename":"TextInline","formats":[{"__typename":"ItalicFormat","type":null}],"text":"many "},{"__typename":"TextInline","formats":[],"text":"cycles you’ll need is hard to predict. "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.fertstert.org\u002Farticle\u002FS0015-0282(14)01367-3\u002Fpdf"}],"text":"Some studies"},{"__typename":"TextInline","formats":[],"text":" suggest that most women can get by with three; "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fjamanetwork.com\u002Fjournals\u002Fjama\u002Ffullarticle\u002F2478204"}],"text":"others "},{"__typename":"TextInline","formats":[],"text":"suggest that number may be closer to six."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":11},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"But trying for more than one cycle isn’t financially feasible for everyone, said Dr. Lucie Schmidt, Ph.D., a professor of economics at Williams College in Massachusetts. “Some people can afford one cycle on their own, but not two or three,” said Dr. Schmidt, who studies how states’ insurance mandates affect I.V.F. treatment. “Lack of insurance (or less generous insurance) puts additional pressure on women to transfer multiple embryos, which can then lead to costly and risky "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fparenting.nytimes.com\u002Fpregnancy\u002Ftwins-multiples"}],"text":"multiple births"},{"__typename":"TextInline","formats":[],"text":".”"}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":12},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"When you have compiled information about cost, make a financial plan."}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"At some point in the process, it’s helpful to set financial and treatment goals with your partner and your doctor. Discuss, for example, how many I.U.I.s you might try before you move on to I.V.F.; and how many I.V.F. cycles you will undergo before considering next steps, such as using an egg donor, a sperm donor or a surrogate. Would you pursue other family-building options, like fostering "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fparenting.nytimes.com\u002Fbecoming-a-parent\u002Fadopting-a-child-guide"}],"text":"or adoption"},{"__typename":"TextInline","formats":[],"text":"? Each progressive step can cost more money, so it’s important to budget for that."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":true,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":13},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"“How will you know when enough is enough?” Collura suggested asking yourself, noting that you should create benchmarks to evaluate and decide on next steps. She said that financing family building is a huge issue for many couples, and if you’re not careful, it can derail your journey and your relationship."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":14},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Figure out how you will pay for treatment."}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Although fertility treatment can be expensive, it isn’t just for the independently wealthy. People pay for I.V.F. in many different ways, from refinancing their homes to borrowing from family or putting payments on credit."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":true,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":15},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Jennifer “Jay” Palumbo, author of "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwonderwomanwriter.com\u002Fthe-2-week-wait-blog\u002F"}],"text":"The Two-Week Wait Blog"},{"__typename":"TextInline","formats":[],"text":" and a mother who had the first of her two children through I.V.F., won a free cycle from a clinic-sponsored contest. “I was someone who ran out of money to get pregnant. I don’t own a house now because we went through treatment,” said Palumbo. “We were in a very bad place; our whole savings account was empty, it was just … bad.”"}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":16},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"There are other ways to pay for fertility without breaking the bank, though some options are more feasible than others:"}],"textAlign":"LEFT"},{"__typename":"ListBlock","content":[{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Some people start "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.indiegogo.com\u002Fprojects\u002Fkirk-and-anthony-s-baby-fund--2#\u002F"}],"text":"social media fundraising campaigns"},{"__typename":"TextInline","formats":[],"text":"."}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Others move to states with mandated health insurance to get coverage (or find a new job at a company that’s based in a state with mandated coverage)."}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Some apply "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fbabyquestfoundation.org\u002F"}],"text":"for grants"},{"__typename":"TextInline","formats":[],"text":"; which can be based on various factors, like location or income."}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"You may also qualify for a clinical study, which you can peruse and sign up for on websites like "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"http:\u002F\u002Fwww.clinicaltrials.gov\u002F"}],"text":"ClinicalTrials.gov"},{"__typename":"TextInline","formats":[],"text":", "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"http:\u002F\u002Fwww.centerwatch.com\u002F"}],"text":"Center Watch"},{"__typename":"TextInline","formats":[],"text":" or "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"http:\u002F\u002Fwww.findmecure.com\u002F"}],"text":"Find Me Cure"},{"__typename":"TextInline","formats":[],"text":"."}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Some clinics "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.nytimes.com\u002F2017\u002F04\u002F27\u002Fnyregion\u002Fzhang-fertility-center-lottery.html"}],"text":"offer lotteries"},{"__typename":"TextInline","formats":[],"text":" for free cycles or money toward a cycle."}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"You can join a "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.shadygrovefertility.com\u002Faffording-care\u002Fguarantee-programs\u002Fshared-risk-100-refund-program-faq"}],"text":"shared risk program"},{"__typename":"TextInline","formats":[],"text":", which offers a bulk number of cycles for a flat fee to qualifying patients – guaranteeing a baby or your money back. Your health and age will usually be considered to qualify for the program. Keep in mind, however, that shared risk programs are a gamble: Many people who qualify might not need the full number of cycles included in a bulk package, and end up spending more than they would have without it."}],"textAlign":"LEFT"}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"With smaller clinics, you can try to negotiate with your doctor or billing department — especially if it’s not your first cycle."}],"textAlign":"LEFT"}]}],"style":"UNORDERED"},{"__typename":"Heading2Block","content":[{"__typename":"TextInline","formats":[],"text":"Acknowledge that you may need breaks."}],"textAlign":"LEFT"},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"People sometimes take breaks between treatments for financial, physical or emotional reasons. While the quality of the eggs inside your body never improve with time, according to Dr. Eric Forman, M.D., the medical and laboratory director of Columbia University’s Fertility Center, a wait of six months or less can be “safe and reasonable” for many patients."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":17},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"“Sometimes insurance changes and it’s preferable to wait for a new plan to be in place,” said Dr. Forman. Other people may need a break for medical reasons, or to take a vacation they planned before the embryo transfer. “Sometimes people just need a break and can emotionally recharge for another attempt after a couple of months,” said Dr. Forman."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":true,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":true,"bad":false,"index":18},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"It took Regina Townsend, a librarian in Chicago, more than seven years to have a baby. Townsend started trying to conceive at 25, but because of several health issues — including polycystic ovarian syndrome, hyperthyroidism, blocked fallopian tubes and Type 2 diabetes — her reproductive journey was complex. To make matters worse, her husband had his own suite of fertility issues, and their insurance coverage was spotty. She wrote about her experience on "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"http:\u002F\u002Fthebrokenbrownegg.org\u002Fabout\u002Fregina\u002F"}],"text":"The Broken Brown Egg"},{"__typename":"TextInline","formats":[],"text":", a website she founded to increase awareness of African-American infertility and reproductive health."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":true,"adsMobile":true,"adsMobileHoldout":false,"bad":false,"index":19},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"According to "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.fertstert.org\u002Farticle\u002FS0015-0282(18)31814-4\u002Ffulltext"}],"text":"a study"},{"__typename":"TextInline","formats":[],"text":" published in the journal Fertility and Sterility in 2018, it can take African-American women a year longer to seek infertility treatment, and treatment can be 14 percent less successful than it is for white patients."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":20},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Townsend said that she and her husband would try I.V.F. for about six months, then something would come up that would force them to take a break. “I lost my job, or he lost his job, or we didn’t have insurance, then our clinic wouldn’t take our insurance,” Townsend said."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":21},{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"They finally had their son. “This whole journey of trying to become parents is exhausting,” she said."}],"textAlign":"LEFT"},{"__typename":"Dropzone","adsDesktop":false,"adsDesktopHoldout":false,"adsHybrid":false,"adsMobile":false,"adsMobileHoldout":false,"bad":false,"index":22},{"__typename":"RuleBlock","type":null},{"__typename":"DetailBlock","content":[{"__typename":"TextInline","formats":[],"text":"Amy Klein wrote the "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fparenting.blogs.nytimes.com\u002Fauthor\u002Famy-klein\u002F?_r=0"}],"text":"Fertility Diary"},{"__typename":"TextInline","formats":[],"text":" column from 2013 to 2015 for Motherlode, a New York Times blog. She is the author of “"},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","title":"","uri":null,"url":"https:\u002F\u002Fwww.penguinrandomhouse.com\u002Fbooks\u002F600470\u002Fthe-trying-game-by-amy-klein\u002F"}],"text":"The Trying Game: How to Get Pregnant and Survive I.V.F. Without Losing Your Mind"},{"__typename":"TextInline","formats":[],"text":"."},{"__typename":"TextInline","formats":[{"__typename":"ItalicFormat","type":null}],"text":"”"}],"textAlign":"LEFT"}]},"storyFormat":null,"storylines":[{"__typename":"AssociatedStoryline","ruleName":"styln-ivf","storyline":{"__typename":"Storyline","context":null,"displayName":"I.V.F.","experimentalJsonBlob":"{\"data\":[{\"version\":1,\"type\":\"experimentalJsonBlob\",\"data\":[{\"version\":1,\"type\":\"guide\",\"data\":{\"title\":\"What to Know About I.V.F.\",\"leadIn\":\"\",\"sections\":[{\"section\":[{\"type\":\"bulletedList\",\"value\":[\"In vitro fertilization can be daunting, but preparation and learning about the side effects can make it a lot easier. \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002Farticle\u002Fivf-treatment.html\\\"\u003EOur guide can help\u003C\u002Fa\u003E.\",\"There are still large gaps in our knowledge about how I.V.F. procedures affect women years later. \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002F2020\u002F04\u002F16\u002Fparenting\u002Ffertility\u002Fivf-long-term-effects.html\\\"\u003EHere’s why\u003C\u002Fa\u003E.\",\"Some couples, aware of the difficulties of conception and pregnancy, \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F03\u002F24\u002Fstyle\u002Fivf-process-couples.html\\\"\u003Eare choosing I.V.F. as a first option\u003C\u002Fa\u003E.\",\"Many insurance companies don’t cover I.V.F. treatments. \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002Farticle\u002Fivf-treatment-costs-guide.html\\\"\u003EBut there are ways to ease the financial burden\u003C\u002Fa\u003E.\",\"For L.G.B.T.Q. couples, the path to parenthood \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002F2020\u002F04\u002F15\u002Fparenting\u002Ffertility\u002Fqueer-pregnant-ivf.html\\\"\u003Ecan be long\u003C\u002Fa\u003E. One writer shared her \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002F2020\u002F04\u002F15\u002Fparenting\u002Ffertility\u002Flgbtq-pregnancy-ivf.html\\\"\u003Eabsurd but ultimately successful experience\u003C\u002Fa\u003E using I.V.F. to become pregnant.\",\"Have you gone through an I.V.F. treatment? \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F02\u002F15\u002Fhealth\u002Fivf-fertility-treatment.html\\\"\u003ETell us about your experience\u003C\u002Fa\u003E.\"]}]}]}}]}]}","guide":{"__typename":"StorylineGuide","displayName":"What to Know About I.V.F.","leadIn":null,"sections":[{"__typename":"StorylineGuideSection","items":[{"__typename":"StorylineGuideItem","content":{"__typename":"ListBlock","content":[{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"In vitro fertilization can be daunting, but preparation and learning about the side effects can make it a lot easier. "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F357fea7e-e1b0-545e-b55a-5e2426a45370","url":"https:\u002F\u002Fwww.nytimes.com\u002Farticle\u002Fivf-treatment.html"}],"text":"Our guide can help"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"There are still large gaps in our knowledge about how I.V.F. procedures affect women years later. "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002Fb76cc739-0443-544d-b761-6bb8e05001e7","url":"https:\u002F\u002Fwww.nytimes.com\u002F2020\u002F04\u002F16\u002Fparenting\u002Ffertility\u002Fivf-long-term-effects.html"}],"text":"Here’s why"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Some couples, aware of the difficulties of conception and pregnancy, "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F0d42b59d-7ed0-5f42-ac06-e0f6203939a1","url":"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F03\u002F24\u002Fstyle\u002Fivf-process-couples.html"}],"text":"are choosing I.V.F. as a first option"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Many insurance companies don’t cover I.V.F. treatments. "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002Ff236fd60-a603-5f90-8d6e-ea9e0ba819f9","url":"https:\u002F\u002Fwww.nytimes.com\u002Farticle\u002Fivf-treatment-costs-guide.html"}],"text":"But there are ways to ease the financial burden"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"For L.G.B.T.Q. couples, the path to parenthood "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F64ac3725-4902-5a92-8e05-d49e7e76d278","url":"https:\u002F\u002Fwww.nytimes.com\u002F2020\u002F04\u002F15\u002Fparenting\u002Ffertility\u002Fqueer-pregnant-ivf.html"}],"text":"can be long"},{"__typename":"TextInline","formats":[],"text":". One writer shared her "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F7f930d45-0dc3-5b42-afc6-ac3b8a91cd97","url":"https:\u002F\u002Fwww.nytimes.com\u002F2020\u002F04\u002F15\u002Fparenting\u002Ffertility\u002Flgbtq-pregnancy-ivf.html"}],"text":"absurd but ultimately successful experience"},{"__typename":"TextInline","formats":[],"text":" using I.V.F. to become pregnant."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Have you gone through an I.V.F. treatment? "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F5f114f0d-4793-5202-8682-5d0f588a5a62","url":"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F02\u002F15\u002Fhealth\u002Fivf-fertility-treatment.html"}],"text":"Tell us about your experience"},{"__typename":"TextInline","formats":[],"text":"."}]}]}]}}]}]},"hubAssets":[],"primaryAssets":[],"promotedLiveAssets":[],"tone":"NEWS","topLinks":null,"uri":"nyt:\u002F\u002Fstoryline\u002F3f85885a-2259-40a8-8c85-674a7f032a02","url":"https:\u002F\u002Fwww.nytimes.com\u002Fstoryline\u002F3f85885a-2259-40a8-8c85-674a7f032a02"},"testName":""},{"__typename":"AssociatedStoryline","ruleName":"styln-parenting","storyline":{"__typename":"Storyline","context":null,"displayName":"Parenting","experimentalJsonBlob":"{\"data\":[{\"version\":1,\"type\":\"experimentalJsonBlob\",\"data\":[{\"version\":1,\"type\":\"guide\",\"data\":{\"title\":\"A Guide to Parenting Now\",\"leadIn\":\"\",\"sections\":[{\"section\":[{\"type\":\"bulletedList\",\"value\":[\"School nurses, the stalwarts of children’s health, \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F08\u002F23\u002Fwell\u002Fschool-nurse-advice-parent-mistakes.html\\\"\u003Eshared five things they want parents to know\u003C\u002Fa\u003E.\",\"A growing number of parents are skipping spoon-feeding their babies and trying “\u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F08\u002F19\u002Fwell\u002Ffamily\u002Fbaby-led-weaning.html\\\"\u003Ebaby-led weaning\u003C\u002Fa\u003E” instead.\",\"The maker of the Snoo, a popular high-tech bassinet, \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F08\u002F16\u002Fstyle\u002Fsnoo-bassinet-smart-sleeper.html\\\"\u003Etouched off a firestorm of parental outrage after requiring a paid subscription\u003C\u002Fa\u003E to access several key features.\",\"Some anxious parents are choosing “sleepunders” \u003Ca href=\\\"https:\u002F\u002Fwww.nytimes.com\u002F2024\u002F01\u002F11\u002Fstyle\u002Fsleepunders-lateovers-sleepovers.html\\\"\u003Epicking kids up just before bedtime\u003C\u002Fa\u003E — or even staying over with them. 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Here are the pros and cons to that approach."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Many parents feel the need to stuff their children’s days full of activities to keep them entertained and engaged. "},{"__typename":"TextInline","formats":[{"__typename":"LinkFormat","uri":"nyt:\u002F\u002Farticle\u002F05e2dde6-2814-5c25-9484-e652409b78e5","url":"https:\u002F\u002Fwww.nytimes.com\u002F2023\u002F06\u002F19\u002Fwell\u002Ffamily\u002Fkids-summer-boredom.html"}],"text":"But boredom has its virtues"},{"__typename":"TextInline","formats":[],"text":"."}]}]},{"__typename":"ListItemBlock","content":[{"__typename":"ParagraphBlock","content":[{"__typename":"TextInline","formats":[],"text":"Being a modern parent means juggling many opinions on how to do it correctly. 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