What is Infertility Insurance?
What is Infertility Insurance?
It is heartbreaking to find out that you are infertile, but several options are there to help you and your spouse to conceive. The only thing standing between you and a lifetime of dreams and happiness is money. Perhaps infertility insurance can help.
Couples do have many options when seeking fertility treatments, but the cost can be very pricey. A single in vitro fertilization treatment can cost tens of thousands of dollars, and it is not a guarantee that it will take with just a single treatment. To make the situation even more expensive, there are monthly costs for medications that potentially could reach over $1,000 and some of the assisted reproductive technology procedures usually cost over $4,000. Not many people can afford treatments by themselves.
Infertility insurance is available at an affordable price that will help the couples to pay for their infertility treatments. Sometimes your existing insurance company has this type of policy, and it may already be included in the cost of your premium. If not, you should do a bit of comparison shopping for the best deal. There are a wide range of plans that can help with the most common fertility treatments, such as: diagnostic fertility tests, artificial insemination and diagnostic test procedures that includes laparoscopic surgery. These types of insurance plans cover the most of the expensive procedures that will work for the couple. Only a certain amount of cycles will be covered, usually between three to five treatments. Do keep in mind, however, that infertility insurance will not cover the use of donor sperm and donor eggs.
Infertility insurance is available in three forms. First is a standard health package that requires a monthly payment of premium for specific fertility coverage. The next plan requires that you pay for all the fertility treatments in advance, but in the event that the attempts at pregnancy fail, the couple is reimbursed from 70% to up to 100%. And lastly, you can take out a loan. There are specific infertility loans (usually administered by the fertility clinic) structured so that if the infertility procedure fails, you do not need to pay the loan back in full.
There is no full guarantee that every couple will qualify for infertility insurance. Even if the couple does qualify, there are still requirements that have to be met. Usually a couple must already have a current insurance policy, be under the age of forty and have been dealing with infertility issues for one to five years before applying. Usually the couple has to maintain the policy for a year before they are able to use it.
One of the best ideas for a couple that is experiencing infertility problems it to weigh all options to them. There may be a lot of requirements and variables to look at, but in the end it will be well worth it. When the treatments become a success story, you will see that the infertility insurance was affordable and didn't put you into debt.
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