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What is Infertility Health Insurance?

By Compuquotes Team on March 27th, 2008

Health Insurance

Every year, around 6 million women experience the disappointment of infertility - and for many couples, it can be a touchy subject. Infertility health insurance can be so costly and difficult to obtain, that many couples consider other solutions such as adoption or using a surrogate mother.

One reason why infertility insurance is so difficult and expensive to obtain is that the procedures involved are so costly. A typical in-vitro fertilization procedure can cost $10,000 or more and so-called Assisted Reproductive Technologies cost from between $10,000 to $18,000.

Insurance companies also argue that the success rates of such treatments as in-vitro fertilization are usually too low to justify providing coverage. They also point out that the benefits would be required by too few people - although this actually saves the insurance company money.

Make sure you understand exactly what is and what is not included under your existing health insurance, when it comes to infertility. There can be a significant difference in coverage - some policies exclude infertility diagnosis, while some just exclude the actual treatment.

Even if you don't think infertility is covered under your existing health insurance, be sure to read and understand your policy completely. If you find that the small print is confusing - always call and speak to a representative.

Some states offer mandatory infertility insurance coverage - New York, Texas and California among them. Under this program, the state must ensure that insurance companies provide fertility insurance as part of a standard plan - or be offered as an option to purchase at a reasonable price.

If you live in one of these states - check the restrictions carefully as there are some differences. Other states may adopt this policy as well, although it is time consuming to pass the legislation - often taking up to eight years. And many lawmakers simply don't consider infertility to be a disease.

Some major companies actually offer infertility insurance as part of their benefits package - research shows that this is considered to be an excellent option. Companies who offer this benefit don't lose financially - in actuality, less than 1% of employees actually use this insurance.

When shopping around for infertility insurance, consider the benefits and costs carefully. Most fertility insurance will cover such things as general tests, artificial insemination, in-vitro fertilization and embryo transfer. Some insurance will refund a portion of money if your treatment isn't successful.

If you are shopping around for health insurance, never mention that you are looking specifically for fertility insurance, or that this may later be a concern. As this coverage is so costly, insurance companies have the right by law to turn down your application for insurance - without giving you a reason.

Infertility insurance can have several restrictions. The policy may only provide coverage for a limited number of treatment cycles - often three to five. Some medication and procedures such as sperm donation are not usually covered. You may also have to satisfy certain criteria such as being under 40 and having dealt with infertility for a certain time - often several years.

And regardless of whether you have infertility insurance or not, one piece of good news - most medical infertility treatments are tax-deductible.

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