Infertility costs are a burden on many couples and the simple fact is more advanced treatments are not an option they can pursue because they simply cannot afford it. Is infertility insurance an option?
This is a tricky question to answer because of the complex nature of infertility insurance coverage. The problem seems to lie in the fact fertility issues are not considered as relevant as some other conditions therefore companies are reluctant to include it as part of an overall policy.
Are You Being Denied Infertility Insurance
Insurance coverage is available for many types of conditions, it's even available for pets but the stigma attached with infertility insurance seems a little hard to comprehend. Consider fertility treatments can run into the many thousands of dollars which is just not affordable for many couples.
Even when infertility insurance coverage is available the qualification process can present further barriers. Restrictions on eligibility such as a person's age and the length of time they have been experiencing fertility issues can count against their chances of being accepted into an insurance program.
In recent times, the fight to have infertility recognized as a legitimate insurance risk has increased. If you have been recently denied and feel you have a good argument, check with your state authority and ask what further avenues you can pursue.
Employer Contributed Plans
In the US, a good deal of medical/health insurances are taken through employer contributed plans. If your employer is providing you with the avenue to medical insurance check the legal terms and conditions carefully. Your employer will often have the say on the options covered with these plans. About 20 per cent will include infertility insurance amongst the conditions which are covered but the majority don't.
An argument against insurance coverage for fertility issues is those suffering from it are considered a minority group. The cost to the average tax payer would increase. Arguments for infertility coverage will say that this argument can also be made against other conditions.
The High Cost Of Infertility Treatment
This could be one of the reasons insurance companies may consider offering basic coverage for infertility. The initial costs for testing and diagnostic techiques are usually within the scope of most couples budgets however, once the treatments become more advanced, involving expensive drugs and fertility assisted procedures, the costs can spiral out of the scope of most.
Don't despair though if you are struggling financially as some states have introduced mandates which requires some form of infertility insurance coverage. This is certainly an area worth investigating further.
Dean Caporella is a professional broadcaster. Think you're covered by infertility insurance? Think again! It could affect your hip pocket! Plus, get the latest infertility news and reviews at:http://www.infertilityline.com