The issue of infertility insurance is still a gray area for many people looking for some respite from the costly treatments associated with reproductive health problems.
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.
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.
It"s important you ask for a copy of the contract you"re about to sign and not just a summary. This is one time when you want to check the terms and conditions for yourself.
Generally, it"s your employer who chooses whether it becomes part of your overall coverage. When the options are presented, unless you request that it be included as part of your coverage, you may or may not be covered.
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.
Treatment for fertility issues is costly and this seems to effect the level of coverage companies are prepared to cover. There seems to be a gray area about infertility and whether it is a disease or a condition. This appears to be the fine line in ongoing insurance issues.