Let's get you ready
Questions to ask
- Based on my results, why are you recommending this option first, and what would you recommend if it doesn't work?
- What are the success rates for this treatment for someone my age with my diagnosis, per cycle and after several cycles?
- What is our timeline? At what point would you change the approach if this isn't working?
- What is the total cost of one cycle, including medication and monitoring, and what is and isn't refundable if it's cancelled?
- Can your financial counselor run my benefits and tell me in writing what's covered before I commit?Ask for the biller or financial counselor by name. They appeal denials for a living and they're the most underused person in the building.
- What are the risks and side effects I should plan around, including multiples?
- Has my partner had a semen analysis? If not, can we order one now?Male factors contribute in roughly 40–50% of cases, and the test is simple. It's the most commonly skipped part of an evaluation.
- Which of these tests and treatments are typically covered, and can your office help me check my benefits before we start?
- Who do I contact with questions between appointments, and how quickly should I expect a reply?
Things to bring
- All test results for both partners
- Your insurance card, plus whether your plan is self-funded or fully insured, and any third-party fertility benefit (Progyny, Carrot, Maven, Kindbody)
- A note of your priorities: time, cost, number of children hoped for, tolerance for procedures
- Your partner, if possible. Decisions are easier with two sets of ears.
Tests to ask about
- Why this option. What about my results makes this the right first step, and what would make you recommend something else?
- Success rates for people like me. Per cycle and cumulative, for my age and diagnosis, at this clinic. Clinic-specific IVF data is public.
- Number of attempts. How many cycles of this before we reassess or move to the next option?
- Side effects and risks. Including multiple pregnancy with ovulation medication and IUI, and ovarian hyperstimulation with IVF.
- The full cost. Medications, monitoring, procedures, anesthesia, freezing and storage, and what happens financially if a cycle is cancelled.
- Your actual coverage. Whether your plan is self-funded matters more than your state's mandate — state laws don't apply to self-funded employer plans, and most large employers are self-funded. How to find out, and what to ask →
- Alternatives. Is there anything less invasive, or more effective, worth discussing first?
Nail this down before you leave
- Exactly what the recommended treatment involves, visit by visit
- The realistic chance of success for you, not the clinic average
- What the plan is if it doesn't work, and after how many tries
- The full cost and what's covered
If they say everything looks normal
- Which of the standard tests have actually been done, and which haven't?
- If everything is normal, what would you look at next, and when?
- Is there anything in my history that would make you consider additional testing?
- What's the plan from here, and at what point would you change it?
What happens next
If you decide on medication or IUI, ask for the plan to be written down: which medication, what monitoring, how many cycles, and the point at which you'd reassess.
If you decide on IVF, move to I'm doing IVF for the step-by-step Path.
It's normal to take a cycle or two to decide. Time matters, but so does going in with a plan you understand.
Notes from the appointment
Onward Babe is educational, not medical advice. Everything here is built from published research and professional guidelines so you can have a better conversation with the doctor who actually knows your situation.