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Even when IVF is covered by insurance, high bills, surprises and hassles abound

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After years of trying to have a baby without success, Brenna Kaminski and her husband, Joshua Pritt, decided to try in vitro fertilization.

Only 15 states require insurance to cover fertility treatments, and Florida, where Kaminski and Pritt live, isn’t one of them. Still, the couple’s insurance, from Pritt’s job at an energy company, did — putting them among the fortunate minority of Americans whose insurance plan covers the pricey fertility procedure. Kaminski and Pritt gamed out what their share of the cost would be for one round of IVF: $2,700, the out-of-pocket maximum under their policy.

Instead, after many twists and turns with two specialty practices, they paid more than $15,000 for two rounds of IVF, including all medicines. And, as is true for the majority of the procedures nationally (success rates vary from 12% to 49% depending on a patient’s age), neither round resulted in a viable pregnancy. “This whole thing has been a nightmare,” said Kaminski, 37, who does freelance marketing and writing. “The stress has been unbelievable.”

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