Costs & insurance

Real numbers, how to find out what your plan actually covers, and what to do when they say no.

What it costs

What does treatment actually cost? Real numbers for medication, IUI and IVF, including the line items nobody quotes.

Coverage

Does my insurance cover this? Why your state mandate may not apply to you, and how to find out what you've got.

When they say no

They denied my claim — how do I appeal? Deadlines, external review, and the letter that overturns denials.