Health plans often omit infertility treatments..

"To be fair - the employers are deciding," Schmidt said. "It is the employer in the end that's trying to save money, so the coverage is becoming less and less.

"Families are feeling the squeeze."

Dr. Elizabeth Kennard, director of reproductive endocrinology and infertility at Ohio State University, said treatment costs are always on her patients' minds.

"It's part of my everyday conversation with patients," she said. "If we're talking about treatments, we're talking about costs."

Costs can range from oral medications that require a $20 co-payment to in-vitro fertilization, which can cost as much as $12,000 a pop.