Deciding to start a family is a thrilling decision filled with happiness and dreams of the future, but adding a bundle of joy to the family doesn’t come easy for everyone. Having a baby can require medical intervention in some cases, with some people risking all they have or taking out a personal loan to make their family plans come true.

Couples today face a slew of obstacles standing in the way of conceiving naturally, including male infertility, polycystic ovary syndrome (PCOS), endometriosis, prior surgeries and cancer diagnoses. Age is also a factor, as 50% of millennials delay starting a family to do things like pursue careers, focus on education and build financial stability.

However, insurance carriers don’t cover expenses unless there’s a proven fertility problem. Almost all of the couples seeking fertility preservation, or single mothers by choice, carry the…

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