| Some insurance policies have infertility insurance as | | | | today. If your insurance policy has a doctor co-pay |
| part of their package. If your does not, you should | | | | for specialists of $50, you can expect that to apply |
| really consider obtaining infertility insurance before | | | | to your visits to your fertility doctor. |
| you decide to have children. It may be difficult to get | | | | Outside insurance is available to cover infertility |
| the insurance once you find out that you are not | | | | treatments. There are many different ones to |
| able to conceive on your own, since a lot of | | | | choose from. You can obtain standard insurance |
| insurance policies do not cover pre- existing | | | | through an insurance company and financial |
| conditions or problems. In addition, you may have to | | | | institutions have financing programs that are |
| wait at least a year before you can use the infertility | | | | affordable. A great deal of information regarding |
| coverage in the policy. | | | | paying for your infertility treatments may be |
| Infertility treatments are not cheap. Fertility drugs | | | | obtained at the fertility clinic or center you are |
| alone can cost thousands of dollars, this doesn't | | | | consulting. |
| include the more advanced treatments such as in | | | | Most infertility insurances are paid like regular |
| vitro fertilization, artificial insemination and embryo | | | | insurance policies, monthly. They pay what is agreed |
| transplants; these can raise the costs drastically, into | | | | upon and you pay the remainder, a deductible or |
| the thousands if not tens of thousands of dollars. | | | | co-pay. There are usually maximum limits that are put |
| Some states make it mandatory for insurance | | | | in place. A refund program requires that you pay the |
| companies to include infertility insurance as part of | | | | entire cost for the treatment upfront. They do have |
| their routine package. However, this is not always the | | | | a policy where, if you don't become pregnant then a |
| case. You may want to do some research into your | | | | huge part of the bill is refunded, if not all of it. |
| own policy prior to the starting to try to have a | | | | Lastly, you may be able to go through a lending |
| baby. This way you know in advance if you need to | | | | facility to borrow the money; this type of a program |
| purchase additional insurance on the side. You may | | | | does not make you pay unless you have success |
| want to do this as a precautionary measure, | | | | and become pregnant. Otherwise, you may not be |
| especially if your family has a history of | | | | responsible for the full loan repayment. |
| endometriosis or PCOS. | | | | There are limits as to what infertility insurance |
| This type of insurance works the same as your | | | | companies will pay out, make sure that you stay on |
| regular insurance; you pay a monthly premium and | | | | top of the insurance companies and know and |
| any deductibles that are owed. Some doctors require | | | | understand what they are telling you. Some |
| a co-pay that is due by the patient that the | | | | diagnostic tests may not be fully covered, making |
| insurance won't cover. But this is fairly standard | | | | them your responsibility. |