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What Infertile Couples Need to Know About Infertility Insurance

What Infertile Couples Need to Know About infertility Insurance

What Infertile Couples Need to Know About Infertility Insurance

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Home Page > Home and Family > Pregnancy > What Infertile Couples Need to Know About Infertility Insurance

What Infertile Couples Need to Know About Infertility Insurance

Posted: Dec 07, 2010 |Comments: 0
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As if the reality of acknowledging an infertility problem isn’t hard enough to cope with, many couples find themselves facing a secondary cruel obstacle to parenthood: finances.

But what they may not know is that there are several ways to get around this one, so the dream of having a precious baby to hold is by no means insurmountable.

Unfortunately, while there are a number of treatments available to prospective parents, they can be extremely costly.

In vitro fertilization (IVF), for example, is not only expensive (one treatment can set a couple back tens of thousands of dollars) but often more than one treatment is necessary to achieve pregnancy.

This leaves a couple with some very difficult decisions to make about how to start or expand their family.

Fertility medications often run anywhere upwards of ,000, and procedures designed to increase a couple’s fertility – but with no guarantees of success – can cost well over ,000.

Because of these costs – which continue to rise – many couples will need to consider finances very carefully when they begin looking at their options.

It is unusual for a couple to be able to afford these medications and procedures without some assistance.

Fortunately for many, there is a way to access funds –infertility insurance is a viable way to afford the medical world they are about to enter.

While policies differ from company to company, couples are often able to obtain this supplemental insurance through their existing insurance company.

A monthly premium will give you access to a range of fertility treatments, which may include diagnostic fertility tests, artificial insemination, some types of assisted reproductive technology and laparoscopic surgery.

Generally, infertility insurance will cover the most inexpensive treatment likely to result in a pregnancy – in other words, the path of least resistance.

Like in other medical scenarios, insurance companies are unlikely to approve IVF when other less invasive and less costly options have yet to be explored.

One drawback of working with your insurance company is that they are likely to limit you to certain number of treatments or cycles, usually between three and five.

This is not a case of unlimited access – which can e a great strain to many couples who feel great pressure to achieve pregnancy when the clock is ticking.

For a better understanding of infertility insurance, consider the three widely available options:

* Standard Health Insurance: With an extra premium added to your existing insurance plan, couples can access fertility treatments and procedures approved and/or recommended by the company

* Refund Programs: Couples pay up front for their own treatments and medications, and if a viable pregnancy is not achieved, they are able to recover between 70% and 100% of their expenditures

* Financing: Loans are readily available to cover the expenses associated with fertility treatments, procedures and medications. If a viable pregnancy and healthy baby do not result, the loans do not require full payback.

Sadly, not every couple will have access to infertility insurance, but a couple who holds an existing policy will have a better chance of approval.

Couples under the age of forty and couples who have struggled with fertility for an extended period of time will also have the best odds of finding an insurer to work with them.

Couples will often be required to maintain the policy for a year before they can use it.

And in the end, if the couple is able to hold a baby of their own, every penny spent will be invaluable.

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Sushanna Sverzhenskii -
About the Author:

Written by Dr. Sushanna Sverzhenskii who shares valuable information on infertility to help couples find answers to their in fertility problems, and getting pregnant naturally. Visit http://www.infertilitytipsforwomen.com.

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I am having trouble ovulating but my medical insurance doesn’t cover infertility drugs
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Article Tags:
getting pregnant, infertility, fertility, infertility treatment, infertility problems, infertility help, male infertility, female infertility, causes infertility, infertility insurance, infertility challenges, fertility tips, fertility proble