| The issue of infertility insurance is still a gray area for | | | | see if infertility is included as part of your coverage. |
| many people looking for some respite from the | | | | It's important you ask for a copy of the contract |
| costly treatments associated with reproductive health | | | | you're about to sign and not just a summary. This is |
| problems. | | | | one time when you want to check the terms and |
| Treatment costs vary greatly from just a few | | | | conditions for yourself. |
| hundred dollars in the initial stages all the way to five | | | | Generally, it's your employer who chooses whether it |
| figures for the more advanced forms of fertility | | | | becomes part of your overall coverage. When the |
| treatments. Getting insurance coverage to help | | | | options are presented, unless you request that it be |
| offset these costs has proven to be a nightmare for | | | | included as part of your coverage, you may or may |
| more than one couple in the past. | | | | not be covered. |
| In most cases, couples will have to bail out at some | | | | Insurance For Infertility |
| stage of the treatment process because without | | | | When looking for coverage on an individual level, |
| infertility insurance, they simply cannot afford to | | | | there is a suggestion you should not indicate you're |
| continue. | | | | looking for infertility insurance as this could affect |
| In the USA, up to fourteen states have mandates | | | | your application from the outset. There's a chance |
| which require insurance companies to at least cover | | | | you could be rejected because of fertility issues. |
| or offer to cover patients with varying degrees of | | | | If you are not sure about the laws governing this |
| fertility coverage. | | | | topic in your state, then it will be worthwhile |
| In reality, while it's great that there is some progress | | | | contacting your state's office of the Insurance |
| in this area, it's almost like a random draw situation | | | | Commissioner and getting the facts about the |
| for couples because depending on where you live, | | | | requirements in your state. |
| you may or may not be eligible for infertility | | | | Treatment for fertility issues is costly and this seems |
| insurance. | | | | to effect the level of coverage companies are |
| Check With Your Employer | | | | prepared to cover. There seems to be a gray area |
| Your employer's plan may hold the key to your level | | | | about infertility and whether it is a disease or a |
| of coverage. For example, check with your employer | | | | condition. This appears to be the fine line in ongoing |
| if you are under a company managed health plan and | | | | insurance issues. |