Infertility Insurance Coverage - Is Infertility Insurance A Nightmare Or Misunderstood?
Affording infertility insurance may not be the issue – it seems actually finding it is. It’s a problem facing many couples looking for some financial respite to offset debilitating costs associated with more advanced forms of infertility treatment.
If a fertility issue isn’t resolved during initial testing and analysis then for many, that’s just about the end of the line because they just can’t afford to pursue it any further.
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, 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.
Employer Funded Plans
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.
Infertility Insurance
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.
The cost of infertility insurance is the issue being fought and under what banner infertility comes under. Is it a disease? Is it a condition? There are too many fine lines to work around and it’s those unable to either obtain or afford it who are seriously affected.