Learning that you are having fertility issues is a big concern. But knowing that you health insurance does not cover your condition adds to the pressure and challenges.
You are not alone. According to Barbara Collura, the executive director of RESOLVE: The National Infertility Association, there are more than 7 million Americans who have received a infertility diagnosis. And most of the insurance companies do not have or do not provide coverage for infertility treatments.
Most health insurance and employee benefits and compensation do not state if infertility treatment is part of their coverage. For some women, they find it a case of trial and error. There are steps that can be taken to find a better insurance that will provide you coverage for infertility medications.
What is infertility insurance? It is designed to help couples finance their fertility treatments. For a monthly premium, you would be able to cover your infertility procedures such as fertility testing, artificial inseminations and embryo transfer. There are states and countries that require insurance providers to offer customers infertility insurance.
Couples see the importance of purchasing infertility insurance since infertility incidence is continually increasing. Unfortunately, infertility treatments are very expensive. Fertility medications can cost thousands of dollars a month and fertility procedures can reach as much as $4,000. Infertility insurance is seen as something that would help couples through rough and challenging times.
So, if you currently have health insurance provided by your employer, there are means or ways to determine your coverage or extent of coverage. The first step is to ask questions. When you have coverage, determine the extent or limits of the coverage, deductibles, co-pays and prequalification requirements.
Upon getting the answers to your questions, put it into writing or ask the human resource person or administrator for copies of the insurance plan document.
Insurance companies have toll free telephone numbers, so it is important to talk to them directly to better explain how you can obtain the benefits. Again, request the explanation in writing. They can send you the necessary documents.