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How Can I Afford to Pay for Infertility Treatment?

Posted Nov 17 2009 9:45pm
Infertility treatment is much more in demand today than ever before. The numbers are becoming quite staggering with well over six million people diagnosed with infertility today. Although it may not be physically painful the emotional pain can be damaging to ones general health and the stress on a couples relationship can be damaging in itself. If you are reading this article and even think that you are dealing with infertility make sure that you have insurance coverage before you seek medical advice. Those of you who have already been diagnosed and do not have infertility coverage will be denied.  Just like any other pre-existing condition it will keep you from acquiring coverage. It is important to get a copy of your insurance coverage and check to see what, if any, infertility treatment is covered. Many policies are very vague in how they detail treatment. However, most will require pre-approval before they will cover any form of diagnostic work including test and/or diagnostic surgery. Most policies have limits on maximum amounts that they will pay out for infertility treatments. Unfortunately some will only cover the least expensive form of therapy that will be effective for you. Check to see if your policy, once approved, will pay for diagnostic test, medications and at least one full treatment cycle, which is usually 3-5 treatments. If you do have coverage, then more than likely you will be covered for IUI, IVF, ZIFT and GIFT. Most policies will have certain items that will be totally excluded such as injectable medications, sperm donation and egg donation. If for some reason your existing policy does not have coverage, you can purchase a policy from an independent company, separate from you primary coverage. Also, there are other options available; however, they can be very expensive. Some private insurance companies and many infertility clinics offer what is called a “Refund Program”. A refund program is designed for a couple to pay for all of the diagnostic and infertility treatments to be paid up front in full.  If the treatments are not successful, then the couple will have 70% to 100% of their money refunded. One thing to consider before you spend much time running down policies and looking at your coverage is to find out if you would even qualify under the insurance policy. Most policies have the same qualifying requirements. There are usually just a couple of items to consider and they are listed below: <ul> <li>AGE: Under 40</li> <li>Length of Infertility: At least 1 year and up to 5 years.</li> <li>Length of Policy Holder: At least 12 months</li> </ul> If you don’t have standard insurance or a secondary policy and you can’t afford to pay for all of the treatments up front, there may be one more option available to you. Some couples are able to secure financing with fertility clinics through a program that is somewhat like the refund program. Basically, you finance the treatment and if it is not successful you will not be required to pay the finance amount in full. Be sure and check with your state to find out if fertility coverage has been mandated. Currently there are fourteen state that require employers of 50 or more employees to provide infertility treatment as part of their employee insurance coverage. Take your time and investigate all that we have discussed here before seeking treatment. You should be able to minimize the expense associated with infertility treatment. It can be very comforting to know that the financial aspect of this illness is nothing that you will need to be worried about as you move forward with diagnosis and successful treatment. The Best of Luck and God Bless!
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