Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Health Insurance Coverage for Infertility Treatments

Written by Linda Rey on October 20, 2011 in Insurance  |   7 comments

Having a baby is sometimes called the miracle of life. And it is, unless you learn that it will be difficult for you or your loved one to get pregnant. Then, the breakdown of science and emotion can consume you. This can become one of…

insurance coverage for infertility treatmentsHaving a baby is sometimes called the miracle of life. And it is, unless you learn that it will be difficult for you or your loved one to get pregnant. Then, the breakdown of science and emotion can consume you. This can become one of those cases where health insurance coverage isn’t another monthly bill. It can save your finances, and it can also change your whole life.

Insurance coverage for infertility treatments

The American Society of Reproductive Medicine (ASRM) defines infertility as the inability to achieve a pregnancy after trying for 12 months if you are under 35 and six months if you are over 35. Additional regulations regarding infertility insurance coverage can vary from state to state.

Each insurance carrier may have different policies, but one of the companies I work with in New York outlines the “Procedures to Treat Infertility” as follows:

Assisted reproductive services include Comprehensive (mid level) fertility enhancing techniques (from Ovulation Induction up to and including Artificial Insemination) and the more technologically complex Advanced Infertility Services (InVitro services). All New York groups have coverage for Comprehensive level infertility techniques, but not all New York groups have coverage for Advanced Infertility Services.

Remember that pre-existing condition restrictions may apply. If they do, the patient must be covered under an insurance policy for at least 12 months before receiving infertility coverage. However, depending on your state and the type of plan, treatment for infertility may be mandated. In addition, a specific dollar or procedural coverage will be outlined in your plan summary.

Also note that policies that provide prescription drug coverage should also include drugs that are approved by the FDA for use in the diagnosis and treatment of infertility

Whenever you are discussing any type of fertility treatment with your doctor, you should also talk to your insurance agent about your benefits and how they apply to the intended procedure or treatment. It’s better to know before the treatment how it will be covered and what is required of you by way of pre-certification, out-of-pocket expenses, and referrals needed from your primary doctor or specialist. If you don’t do your research ahead of time, you could be denied coverage.

Linda Rey is a licensed insurance agent at Rey Insurance with a broad spectrum of expertise in life, accident, health, property, and casualty insurance, as well as retirement planning and college funding strategies. Follow her on Twitter: @ReyInsurance

Sports Health Insurance for Kids: What Parents Need to Know
New Versus Used Cars: What You Need to Know about Auto Insurance
Your Medical History Can Affect Your Health Insurance Premium
Traffic Violations And Your Auto Insurance Policy
Insurance Quotes: Insurance Brokers vs. Online Quotes

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. Craig R. Sweet, M.D. says:

    Thank you for posting the above information. I’m sure many will find it helpful.

    I did want to make a comment regarding the suggested contact to the patient’s insurance agent regarding infertility coverage. I have always been hesitant to do this as the insurance company normally take notes of such contacts and could conceivably flag the patient’s chart. Once documented, it may be more difficult to get basic procedures covered, such as a laparoscopy for pelvic pain, because they thought it was entirely infertility related. Instead I usually suggest the following:

    • Contact human resources first to see if they can tell you what you options are before you call the insurance company directly.
    • Contact the insurance carrier indirectly indicating you are considering a job at XYZ and were concerned about getting infertility treatments covered under their existing plan. This will free you to ask what you want without their knowing your name or pulling your chart.

    I’m sure others will have additional ideas but I have always been concerned about notifying the insurance carrier too early when there are other ways to find out the same insurance information without placing oneself in potential harms way.

    Keep up the good work!

    Craig R. Sweet, M.D.
    Reproductive Endocrinologist
    Founder, Medical & Practice Director
    Embryo Donation International
    Specialists In Reproductive Medicine & Surgery, P.A.

    • Linda Rey says:

      Thank you Dr. Sweet for such an insightful comment. I understand completely your concern and the potential risk.

      HR is a great way to secure valuable information without compromising the coverage.

      As an agent, there have been times i’ve inquired as a “hypothetical” for that very reason.

      Thank you again.

    • Maya says:

      Well, if she’s 40 and perfectly htelahy, it’s going to cost her about $500 a month to have a low/no deductible plan that covers checkups. You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less. The older she is, the less htelahy she is, the more it costs.Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.References :

  2. John says:

    Infertility treatment insurance coverage is minimal. Only one-quarter of employer-sponsored health insurance plans offer infertility benefits. Even when coverage is offered, the benefits can vary widely. Some plans do not cover IVF (in-vitro fertilization), other plans may demand a 50% co-pay, and some insurers will only cover certain drugs. Also depending upon where you live, there are different laws regarding fertility insurance which makes it more difficult to find insurance policy that will cover all your expenses.

  3. EFX Finance Blog Editor, JF says:

    @John – Thanks so much for reading and commenting. Great information.

  4. Ashley George says:

    Treating infertility problems is the main job of fertility treatment centers. Lots of infertile male and female patients are taking these treatment options as it help to remove their hormonal problems which are like a barrier in having a baby naturally. Thanks for giving such an informative post on health insurance coverage for infertility treatments. From here you can get more information about hoe infertility treatments are useful for the infertile people.

  5. Jimmy Jackson says:

    The problem of infertility is really big issue for the infertile person. Whenever anyone take infertility treatment or any IVF treatment it include lots of chances of misconducts or personal damages. But if a person having infertility insurance then it makes them to easy recover from their problems as the cost of whole treatment if given by the insurance company. http://www.onlineinfertilitytreatments.com/

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Insurance Archive