When a woman discovers that she is unable to conceive due to infertility issues, it is heartbreaking. However, what’s more distressing is the realization that treatment options can be limited due to the overwhelming cost. While some insurance companies are willing to cover fertility treatments, other plans don’t include this option, and can leave a woman faced with bills that are much too expensive to consider. Rather than give up on your quest for pregnancy, we’ve put together a list of ways that you can lower your fertility medications and make these treatments an option.
Understand the Medications
Your best bet for saving money is to inform yourself about infertility medications. Usually, women are given a follicle-stimulating hormone (FSH) when going through fertility treatment; FSH is generally the most expensive medication, so it’s important to pay special attention to it. There is no difference between brands, so make sure that you are prescribed the one with the lowest cost or the one your insurance will cover.
Know the Person Filling Your Prescription
Before you begin treatments, find out who is going to be in charge of your medication. Often, it won’t be the doctor filling out the prescription, but instead a nurse or assistance. Familiarize yourself with this person and talk to them about your financial situation.
Talk to the Insurance Company
Don’t wait on someone else to magically know the preferences of your insurance company. Even if a doctor or clinic worker acts like they understand the insurance, they probably don’t. Rather than relying on someone else, take the bull by the horns and talk to the company yourself. Get a good grasp on which brands they are most likely to cover so that you can save the most money.
Know How Much You’re Going to Spend
Before you get any prescriptions filled, find out exactly how much you’re going to have to spend on that medicine. If you know the type of medicine ahead of time, go on and investigate the costs. Also, shop around for a pharmacy that will provide the lowest prices. When you’re looking for a pharmacy to fill your prescription, don’t only consider the outright cost, but take into consideration any reward programs and how they may affect the cost.
Take Advantage of Pharmaceutical Financial Programs
Some pharmaceutical companies help to off-set expensive cost through financial programs. These programs are designed to help people pay for the medication they couldn’t otherwise afford. Listed below are seven pharmaceutical financial programs and how they can help cover the cost of fertility treatment:
- Ferring Fertility’s IVF Greenligh Program. This program helps women by offering discounts of up to 50% on some prescriptions to cover out-of-pocket costs. To qualify, the patient must purchase at least 10 vials of certain medications; however, there is no approval process or personal regulations to meet.
- EMD Serono’s Co-Pay Savings Card. This program is only for insured patients and offers a year-long savings card. With this card, women can save up to $250 on Gonal-f and other prescription drugs. There is no approval process necessary to take advantage of this card.
- EMD Serono’s Compassionate Care Program. When using this program, woman can get discounts of 10%, 25%, 50%, or 75% based on their personal income and statistics. If a woman is active in the military, veteran, or retired, a 25% discount is automatically applied. Getting involved in this program requires a registration and verification of income.
- EMD Serono’s Go Direct to Savings. If a woman is ineligible for the Compassionate Care Program, she can still enroll in Go Direct to Savings. This is offered to self-pay patients and doesn’t require an approval process.
- Self-Pay Medication Discount Program. This program gives women a discount of up to 25% off some medications and is available to those who don’t have insurance or choose not to employ insurance benefits. This program can be used alone or, in some cases, combined with the Shared Help and Compassionate Care Programs.
- Merck and DesignRx Co-Pay Savings Card. This card gives patients a discount of up to $300 on Follistim AQ and $100 on Ganirelix Acetate injections.
- Merck and DesignRx First Steps Program. This program offers discounts based on one’s household income and special hardship cases. Some patients receive as much as 75% off their drugs costs, with military discounts of an automatic 25%.
Paying for fertility treatment is not impossible. Even if you are in tight financial strains, there are still options to lower the cost of medication and increase the chances of pregnancy through treatment.