| An increasing number of couples today are dealing | | | | refunded to you, normally between 70% and 100%. |
| with fertility problems. Most infertility, about 85% to | | | | Financing is where you take out a loan to cover the |
| 90%, is treatable with modern medical techniques. | | | | cost of treatment, but, if you fail to conceive, you |
| However it tends to be very expensive, so costly in | | | | do not have to pay back the loan in full. |
| fact that many couples simply cannot afford it. And, | | | | When choosing infertility insurance, firstly check what |
| for those who can, the costs involved can put an | | | | cover is provided by your existing plan. You need to |
| immense strain on their finances. This is why infertility | | | | make sure that all testing, medications, and fertility |
| insurance is becoming increasingly important. | | | | treatments, including IVF or other types of assisted |
| Simple tests to check whether you are infertile can | | | | reproductive techniques are covered. If your insurer |
| run to hundreds of dollars, medications can cost up | | | | doesn't cover these, then it is time to look |
| to $1,000 a cycle, assisted reproductive techniques | | | | elsewhere. |
| around $5,000 and IVF over $12,000 per cycle. | | | | There will of course be limitations as to who can |
| Infertility insurance offers a possible means of | | | | qualify for infertility insurance: normally you have to |
| financing your infertility treatment without ruining you | | | | be under 40 years, have been dealing with infertility |
| financially. There are three main types of infertility | | | | for a certain period of time, and you will have been a |
| insurance available today. Standard Health Insurance is | | | | policy holder for at least one year. |
| where you pay a monthly premium, and this covers | | | | While it has its limitations infertility insurance is |
| the cost of certain fertility treatments. Refund | | | | definitely an option to help with the cost of infertility |
| Programs are where you have to pay for all your | | | | treatment. Discuss with your partner the which |
| fertility treatment up front, but if the treatment is | | | | option is most suitable for you. |
| unsuccessful, then you get a percentage the money | | | | |