Infertility Insurance - Getting Infertility Treatment Without Breaking the Bank
A couple who discovers they are infertile still has several options that can enable them to fulfill their dream of holding their precious newborn baby in their arms. Frequently, their only obstacle to becoming parents is money. Fortunately, supplemental infertility insurance will give couples the treatments they need without bankrupting them.
Several different infertility treatments are available to couples, but they are very expensive. In vitro fertilization (IVF) is very effective, but a single IVF treatment can cost tens of thousands of dollars and it is likely that more than one IVF treatment will be required before the woman conceives. Some infertility medications can cost about $1,000 a month, and some assisted reproductive technology procedures cost more than $4,000. Many couples simply cannot afford infertility treatments without some external assistance.
Infertility Insurance – What Do I Need to Know?
infertility insurance is typically very affordable and normally you can get it through your current insurance company. However, each supplemental infertility insurance policy is different, so a couple should look into several policies before purchasing one. In exchange for a monthly premium, insurance companies will provide you with a policy that covers an assortment of infertility treatments. The covered treatments typically include diagnostic fertility testing, artificial insemination and other types of assisted reproductive technology. The covered treatments might also include diagnostic test procedures such as laparoscopic surgery. Infertility insurance plans usually cover the most inexpensive treatment that is most likely to be successful for the couple. The insurance will also probably only cover treatments for a specified number of cycles, typically between three and five. Using donor eggs and donor sperm is not usually covered by insurance for infertility problems.
There are three main types of infertility insurance. Standard health insurance is the first type. It requires you to pay a monthly premium in exchange for covering specified infertility treatments. Refund programs are the second type of infertility insurance. These plans make you pay up front for fertility treatments, and if you do not have a baby you are refunded between 70% and 100% of your expenses. The final type of infertility insurance is taking out a loan. A couple can obtain financing to cover their infertility treatments. If they do not have a baby, the couple is not required to pay back the entire amount of the loan.
Unfortunately, not every couple is able to obtain infertility insurance. The requirements vary from one insurance company to another, but certain qualifications must be satisfied before you will be approved for infertility insurance. Typically, one of the requirements is that the couple already has an insurance policy currently in effect. They may also require that the couple be under the age of 40. Additional requirements may include that the couple has been struggling with infertility problems for one to five years. In many cases the couple cannot use the policy until a year has gone by since they obtained it.
Infertility insurance requires a couple to look into a number of variables and meet certain requirements, but overall, an infertility insurance policy can be a wonderful option for a couple who has been struggling with infertility problems. Following successful treatments, the couple will need money to provide for their new child. Infertility insurance allows couples to become pregnant without depleting their bank accounts.
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