| Infertility treatments are very expensive. Most | | | | pages, filled with ads promising infertility coverage. |
| insurance carriers are loath to offer any form of | | | | Click on any of those ads and you will be taken to a |
| coverage for infertility treatments unless compelled | | | | web form promising quotes for coverage if you |
| to by law. Fifteen states mandate some form of | | | | provide personal contact information. |
| coverage, with many loopholes. Infertile couples are | | | | Your contact information does not go to the |
| desperate to find coverage, and turn to internet | | | | insurance carrier. It goes to insurance brokers who |
| insurance advertisements, only to come up empty | | | | pay the online advertiser or lead company a set fee |
| time every time. | | | | per "warm lead". |
| Why so many ads, with so few satisfied | | | | The advertisers make money when people fill out |
| customers? To find the answer one just has to | | | | their forms. It seems the advertisers can sell a |
| look at the incentives of the insurance industry, online | | | | name for far more money than it costs to get |
| advertisers and lead distribution companies, and | | | | infertile couples to complete a web form. The lead |
| insurance brokerages. Finding the right coverage | | | | company earns a fee whether the insurance agent |
| requires some creativity. | | | | finds coverage or not. |
| Incentives for the Insurance Industry | | | | Insurance Brokers |
| Health insurance companies in the U.S. are for profit | | | | Most insurance brokers operate in small business |
| companies, operating in a highly competitive | | | | settings, and are looking to generate commission |
| marketplace. Most insurance buyers focus on | | | | income. Your infertility insurance lead is sold to one |
| premium costs. Insurance policies that cover more | | | | or more of these brokers looking to call on warm |
| cost more. Infertility is not a life threatening | | | | prospects, rather than making cold calls. The broker |
| condition, but the treatments are very expensive, | | | | contacts the infertile couple thinking they are a |
| and successful treatments are exceptionally | | | | qualified prospect for individual health insurance. Both |
| expensive: they result in a pregnancy. | | | | parties end up disappointed - the advertiser is the |
| Insurance companies looking to compete on price - | | | | only winner in this game. |
| which all must do - need to omit infertility insurance | | | | The bottom line is that the broker can't meet the |
| coverage in order to be price competitive. They | | | | needs of the couple looking for infertility coverage. |
| only people willing to pay a higher premium for | | | | The broker spent money on an unqualified lead, and |
| infertility coverage are infertile couples. The industry | | | | the couple wasted their time, and was given false |
| refers to this phenomenon as adverse selection. | | | | hope. |
| Therefore, the only insurance companies who cover | | | | The One Real Option |
| infertility are those compelled to by state mandate. | | | | Insurance companies won't sell coverage for |
| Fifteen states currently have some form of | | | | something somebody already needs, but will cover |
| mandate, but with many loopholes. Infertile couples | | | | something you might need in the future. And |
| lucky enough to be subject to these mandates have | | | | therein lays hope for couples trying to fund IVF and |
| their infertility treatments paid for by co-workers, | | | | other treatments. Buy supplemental insurance |
| and other state workers. The remaining majority | | | | before getting pregnant, and enjoy cash benefits |
| turn to internet advertising to find private coverage. | | | | when you deliver your baby. It's the one form of |
| Online Advertising and Lead Companies | | | | internet advertising for infertility insurance you can |
| Google "infertility insurance" and find hundreds of | | | | trust. |