Fertility Treatments and Insurance
If you’ve spoken with a fertility treatment specialist, you know that the costs involved in fertility treatments can be prohibitively expensive. For some folks, however, fertility treatments may be covered by your medical insurance policy. Knowing what your policy offers can help you make an informed decision about whether or not you can afford to go ahead with fertility treatments.
Here are some of the things to consider when you’re looking into fertility treatments and your health insurance policy:
- Some insurance will cover fertility treatments as part of your standard health care insurance costs. These types of policies are few and far between, but they do exist.
- You may be able to purchase infertility insurance. This is a different type of program. It is designed to help you recoup your costs if your fertility treatments are unsuccessful. You still have to pay for your fertility treatments up front with this kind of program.
- Some states require insurance companies to cover treatment for infertility. Currently, there are 15 states in that list, and others are considering similar legislation.
- In many cases, health insurance companies that do cover infertility treatments may do so at a different percentage of coverage than they cover other types of health issues.
- There are several places you can look to see if your policy covers infertility treatments. You can talk to your insurance company, to the HR department at work if you get your insurance through your employer, and even with the billing and insurance specialist at the infertility clinic.
- If you’re not able to get a definitive answer from some of those places, you can consider talking to an attorney. Make sure you have a copy of your actual health insurance policy handy so that you can go through it together.
- Understand that many insurance companies won’t cover advanced procedures, too, such as IVF, even if they will cover things like fertility drugs or less expensive procedures.
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