Your diagnosis of infertility is difficult enough to handle, and learning your insurance company will deny coverage for this medical condition increases your challenges. First, it may be comforting to know that you're not alone. More than 7 million Americans are subject to receiving an infertility diagnoses, says Barbara Collura, executive director of RESOLVE: The National Infertility Association, based in McLean, Va. Most insurance companies do not provide coverage for infertility treatments, Collura says, adding that this is a major roadblock to resolving infertility.

Lauren Klemme is covered by her husband's insurance through the U.S. Navy. However, since he is leaving the military in August, they will be using her employer's insurance. "I have started looking into the infertility coverage, but so far, I haven't really found any information on what is and what is not covered," she says. "On the list of covered doctors, there are reproductive endocrinologists listed. I called the insurance company and spoke to someone there. She basically said that if the doctor was listed, then they covered it." But Klemme doesn't believe that's totally accurate, so she looked online for more information about her insurance coverage.

"Again, I could not find anything," Klemme says. "At this point, I'm afraid that trial and error is going to be the way we find out what's covered. If we go to the doctor, and then get a huge bill at the end of the month, we will know what's covered. I am hoping it doesn't come to that."

The good news for Klemme and other women is that there are steps to take to get the information you need on what is and what is not covered. If you currently don't have coverage for infertility, you can take steps to find better insurance. There are even ways to turn this situation around.

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