Infertility Insurance Coverage

Infertility Insurance Coverage – Financial Assistance You May Need

Getting pregnant is not easy for everyone.  If it’s a challenge for you and your significant other, you might be considering fertility treatments to increase chances of pregnancy.  Unfortunately, drugs and treatments for enhancing fertility are pricey.  Accumulated costs for in vitro fertilization (IVF) and intrauterine insemination (IUI) treatment cycles can be huge.  Fortunately, there are insurance providers that offer various infertility insurance plans.

Understanding Infertility Insurance Coverage

Infertility insurance coverage was created to help you fund your fertility therapies. If you need fertility treatments, a portion of the services will be covered by your insurance provider.  Fertility tests, embryo transfer and artificial insemination can be included.  To get such benefits, you have to pay a monthly premium.

What’s In Infertility Insurance Coverage for Me?

Many Americans cannot afford to even think about fertility treatments simply because these treatments come with a big price tag.

Fertility medicines can amount to thousands of dollars every month.  Costs for one IVF cycle, plus expenses for surgery, anesthesia, medicine, ultrasound, blood testing, egg and sperm processing, embryo transfer and embryo storage, can add up rapidly.  The amount of one IVF cycle differs with each patient.  It can range from $12,000 to $20,000.

Bankruptcy is often the end result for couples who use their own savings for fertility treatments.  Insurance for infertility exists so you can get the treatment you need without driving yourself into bankruptcy.

Kinds of Infertility Insurance Coverage

Infertility insurance comes in various types.

  • Standard Health Insurance: This involves paying a premium to your insurance provider every month. The provider will then pay for specified fertility treatments only up to a given amount.
  • Refund Programs: Some private insurance providers and infertility clinics offer refund programs.  You pay for the fertility treatments when you sign up. Should your treatments be unsuccessful, an agreed upon percentage of your payment will be refunded.
  • Financing: You can ask for a loan if you decide to undergo fertility treatments.  Some loan programs do not compel you to pay the full amount of the loan unless you become pregnant.

Treatments Covered

The fertility treatments covered depend on your insurance provider and plan.  Steer clear of unwanted surprises by ensuring that your insurance covers all medications, diagnostic tests and fertility procedures that may be necessary in your situation.

Many insurance plans include only the least expensive treatment that is suitable for you.  Also, your insurance provider may only cover a certain number of treatment cycles, usually three to five.   The following treatments are often part of fertility insurance plans:

  • IUI
  • IVF
  • ZIFT
  • GIFT

Diagnostic tests and diagnostic procedures are normally included in infertility insurance plans.  But sperm and egg donations and certain medications, specifically injectibles, are not always included.

Do You Qualify for Infertility Insurance Coverage?

Infertility insurance plans are not available to everyone.  You have to meet the qualifications set by your insurance provider before your application is approved.  Most couples have to be:

  • below 40 years old
  • experiencing infertility for a specific period of time (between one and five years)
  • policy holders for at least 12 months

Many couples that have been previously diagnosed with infertility will not qualify.   You may want to check out refund or financing programs to help cover costs if you lack an infertility insurance plan.

Other Options

Assisted reproductive technologies (ARTs), just like any other form of medical treatment, pose risks and benefits.

Ovarian hyperstimulation syndrome can be triggered by fertility drugs used with IVF or by itself.

ARTs are linked to the increased probability of multiple pregnancies.  This significantly raises health risks in the mother and child.

Based on a recent study of the US Centers for Disease Control and Prevention, IVF babies are 30% more likely to be diagnosed with health and genetic problems.

Due to costs and health risks presented by ARTs, many couples are turning to alternative methods to overcome infertility without side effects.  Alternative healing practices range from helpful herbs to Chinese medicine, from exercise to acupuncture, and from changes in lifestyle to a proper diet.

Cysts can be a cause of ovarian pain, irregular menstruation and even infertility. Women suffering from ovarian cyst pain may want to read Natural Ovarian Cyst Relief Secrets written by Laura Hennings.