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The Financial and Emotional Costs of Infertility

Why You've Got to Listen to This Episode...

In today’s episode, I’m talking with Kristyn Hodgdon, a twin-mama, who navigated her own journey through infertility treatments and now supports thousands of other women in her community, The Fertility Tribe. We’re talking about what Kristyn wishes more moms knew before they started their infertility journey, how to handle the financial and insurance side of fertility treatments, and why Kristyn decided to quit a job she loved to support more women as they seek to grow their own families when it doesn’t go according to plan.

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Key Takeaways to Help You Navigate the Emotional and Financial Costs of Infertility

As always, we’ve rounded up our top three takeaways to summarize what we believe are the core points to remember from Kristyn. 

1- Ask Questions About Your Healthcare Coverage for Infertility as Soon as Possible

Had Kristyn asked about IVF sooner, she may not have needed to go through IUI or might have more directly addressed her options with her doctor.

Also, it’s always helpful to know what your insurance limits are. Once Kristyn knew her lifetime maximums, she could better plan for what they could afford.

It’s always good to get clear on your numbers with any big decision.

But especially now, when it’s open enrollment, it’s a good time to investigate what infertility coverage is available in all plans presented to you and/or your partner. You may find that if you’ve been on a high-deductible plan or one partner’s plan over the other’s in the past, there is a better option for you to get the coverage you need.

2 - You Can Often Negotiate the Costs of Fertility Treatments

I love that Kristyn shared this bit of advice from the fertility finance expert they recently had at The Fertility Tribe.

Fertility clinics are a business, and often there is wiggle room in pricing. Shop around on pricing at local clinics. Ask about options or payment plans that may make treatment more accessible for you.

It will likely feel uncomfortable, especially because we’ve been taught to view medical care as a fixed, non-negotiable price, but it’s absolutely worth asking.

3 - Have Conversations with Your Partner About Ways You’re Willing to Get Creative to Afford Treatment

Unfortunately, for many families, infertility treatment is cost prohibitive. People change jobs, take on side hustles, move, and drastically cut expenses to save up for treatment or gain access to healthcare plans that cover that treatment.

There are steps you can take, even when it feels impossible.

Do some research on what treatment can cost in your area. Then sit down with your partner, or with a trusted friend, and talk through your options and what makes sense for you.

As Kristyn said during the interview, this can be a marathon and can absolutely be all consuming. Get on the same page about the changes and sacrifices you’re willing to make—and be sure you’re leaving room for your own mental and physical health care along the way.

Links & Resources Mentioned

Connect with Kristyn

Kristyn Hodgdon is the Founder of The Fertility Tribe, an online infertility support community giving a voice to every unique path to parenthood. She lives in Long Island, NY with her husband Dan and their 2-year-old twins Brooke and Charlie, who were conceived via IVF. Follow @thefertilitytribe on Instagram or join their FREE infertility support community & app to join the conversation! 

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