Insurance For Infertility - What’s Wrong With Infertility Insurance?
Why is infertility insurance such an emotional topic for those experiencing fertility issues?
Treatment for infertility can get very costly yet it seems many couples simply cannot get to utilize the advanced treatment methods because they simply cannot afford it. Insurance is available but it seems those looking for it almost need to go looking for it.
Treatment costs vary greatly from just a few hundred dollars in the initial stages all the way to five figures for the more advanced forms of fertility treatments. Getting insurance coverage to help offset these costs has proven to be a nightmare for more than one couple in the past.
In most cases, couples will have to bail out at some stage of the treatment process because without infertility insurance coverage, they simply cannot afford to continue.
In the USA, up to fourteen states have mandates which require insurance companies to at least cover or offer to cover patients with varying degrees of fertility coverage.
In reality, while it’s great that there is some progress in this area, it’s almost like a random draw situation for couples because depending on where you live, you may or may not be eligible for infertility insurance.
Check With Your Employer
Your employer’s plan may hold the key to your level of coverage. For example, check with your employer if you are under a company managed health plan and see if infertility is included as part of your coverage.
Generally, it’s your employer who chooses whether it becomes part of your overall coverage.
Insurance For Infertility
When looking for coverage on an individual level, there is a suggestion you should not indicate you’re looking for infertility insurance as this could affect your application from the outset. There’s a chance you could be rejected because of fertility issues.
If you are not sure about the laws governing this topic in your state, then it will be worthwhile contacting your state’s office of the Insurance Commissioner and getting the facts about the requirements in your state.
Things have obviously improved in recent years with the availability of infertility insurance coverage but not to the extent where affected couples can freely obtain it without any restrictions.