| IVF procedures can be expensive, and many couples | | | | weeks. Nearly half of all twins are born prematurely |
| have insurance plans that will not cover the cost of | | | | (before 37 weeks), and the risk of having a |
| treatments for In Vitro Fertilization. IVF doctors will | | | | premature delivery increases with triplets, quads, etc. |
| often transfer more than one embryo per cycle to | | | | Premature babies can have numerous health |
| increase the odds of conception. This also increases | | | | concerns. Because the needs of premature babies |
| the chances of multiple births: twins, triplets, etc. | | | | are so acute, preemies are often placed in a Neo |
| Multiple pregnancies come with a greater chance of | | | | Natal Intensive Care Unit (NICU) after delivery. |
| high risk pregnancy, and premature birth. Hospital | | | | Hospital Indemnity Insurance Funds IVF |
| Indemnity Insurance can mitigate some of the | | | | Hospital Indemnity Insurance is worth considering |
| financial risks, and pay an extra bonus for your IVF | | | | before beginning IVF treatments. It pays benefits |
| multiples. | | | | directly to the insured, not to the doctors or |
| IVF Costs | | | | hospitals as with traditional insurance. It pays a |
| In Vitro Fertilization costs can range from $10,000 to | | | | benefit for your normal labor and delivery. And the |
| $15,000 per cycle. Fifteen states mandate some form | | | | benefit may greatly exceed the premium you pay. |
| of coverage. For those lucky couples with IVF | | | | Use the excess to offset a portion of your IVF |
| coverage, financial concerns remain: what happens if | | | | costs. |
| mom misses extensive time from work, and what | | | | Bonus for IVF Multiple Birth |
| happens if the health coverage has hospital | | | | Here is an important secret about certain Hospital |
| deductibles and co pays? | | | | Indemnity Insurance policies: your newborn(s) will |
| Most couples considering this procedure have no | | | | automatically be covered for the first 30 days; even |
| health insurance coverage that specifically covers IVF | | | | when you purchase coverage just for mom. The |
| State mandates have loopholes, and 35 states have | | | | policy will pay an additional benefit should your |
| no mandate at all. So many couples must fund the | | | | newborn(s) be injured or sick. |
| treatment costs out of their own pocket. They face | | | | Put the above all together for your IVF twins bonus: |
| the added risk of: what happens to our finances if | | | | IVF is more likely to result in multiple pregnancies, |
| we experience a complicated pregnancy after paying | | | | multiple pregnancies are more likely to result in |
| all this money out of pocket for our IVF? | | | | premature delivery, and premature birth is likely to |
| IVF and Twins, Triplets | | | | result in sickness for the newborn(s). Therefore, |
| IVF embryos are created in a Petri dish. A woman | | | | Hospital Indemnity Insurance is likely to pay an |
| and her doctor determine the number of embryos to | | | | additional benefit for each of your twins, triplets, etc. |
| be transferred back to her uterus. The more | | | | For example, a policy with a $3,000 admission benefit |
| embryos transferred, the greater the chance of | | | | would pay $3,000 for mom's confinement, plus an |
| pregnancy. The more embryos transferred, the | | | | additional $6,000 for twins confined to the NICU, and |
| greater the chance of a multiple birth. | | | | $9,000 for triplets confined to the NICU. When you |
| The average single pregnancy lasts about 40 weeks, | | | | see what the coverage costs you will be amazed. |
| but a twin pregnancy often lasts between 35 to 37 | | | | |