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Health Insurance for Infertility

 

While not an emergency medical problem, infertility if affecting more men and women than ever before, for different reasons.  While there are tests and procedures to help couples with the problem of infertility, the options available are often very expensive.  People experiencing infertility often find themselves searching for types of health insurance that cover infertility treatments, which can reduce the amount of money that a couple pays for their tests and treatments for infertility. 

 

Health Insurance for Infertility:  Three Kinds of Coverage

There are three different ways that someone can pay for fertility treatments, all of which are good options.  A couple should look into each option before deciding on what is best for them, and see which is likely to benefit them in the long run. 

The first way to take care of the cost of fertility tests and treatments is by standard health insurance coverage.  This works the same way as any other insurance, with the customer paying a premium every month and receiving coverage, much like with other types of health insurance that a consumer would buy.  Any interested couple should check to see if health insurance for infertility is included on their health insurance plan.  Another thing to know is that an employer provided insurance plan can be required to provide coverage for infertility treatments, depending on the state of residence of the insurance customer.

Another way to help cover the cost of fertility procedures is the refund option.  Under refunding, a customer can get 70% to 100% of the cost of treatment refunded if there is a failure to conceive or give birth.  This is a good option in case a couple cannot get insurance or does not want to add extra insurance. 

The third option that a couple may have for payment of fertility treatment costs is financing.  Under a financing plan, the patient can take out a loan to pay for treatment.  In the case of continued inability to conceive after treatments, the loan is not required to be paid back completely.  This may be more difficult to handle than the refund option, as there are interest rates involved with loans.  This payment option should be investigated very carefully so that the couple does not end up paying more than is necessary or expected.

 

Health Insurance for Infertility:  What it Covers

A couple looking at purchasing infertility insurance should be sure to look closely at what procedures are covered by the insurance policy.  There can be procedures that are not included under a plan, so the one buying the coverage should be sure that there are no undesirable exclusions. 

Fertility testing is covered on most plans.  This alone can be expensive, and if it is found that testing is the only procedure a couple will need, it may be enough to have only this option available.

The optimum coverage would cover both fertility testing and fertility treatments.  There are four common types of treatment that are the treatments typically covered under an infertility health insurance plan.

In vitro fertilization is covered, as is intrauterine insemination, more commonly known as artificial insemination.  Other types of fertility treatments that are covered are ZIFT (zygote intra-fallopian transfer) and GIFT (gamete intra-fallopian transfer). 

Both tests and treatments can be covered under a policy, but at times this is not the case due to the expense of the procedures.  Most, if not all companies, will not cover situations involving donors of sperm or eggs.  If any exclusion of a procedure is not mentioned in the policy, the company must pay for that procedure.  In case the insurance company denies coverage to a customer, that customer can make an appeal in order to gain the coverage needed to take care of the cost of the policy. 

 

Health Insurance for Fertility:  Who Qualifies?

Those who wish to qualify for infertility health insurance must be the age of 40 or below.  They also must have had the problem of infertility for one year and up to five years.  Also important is that the customer must have had an insurance policy for at least a year.  If a customer does not already have health insurance, then that customer will most likely not be able to get infertility health insurance. 

 

Health Insurance for Fertility:  Conclusion

Health insurance for infertility can be a great option for any couple that may have a problem with conception.  Those who wish to add fertility insurance must research all the options available so that they can get the best coverage that is possible. For a free quote for infertility health insurance, enter your zip code at the top of the page!

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