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Infertility Insurance
© 2009 Teddie Joe Snodgrass, RN, MBA, MSN

When a couple finds out that they are infertile, there are several options still available to them to fulfill their dreams of holding a precious newborn baby in their arms.  Very often the only thing that stands in their way of becoming parents is money. 

There are several different fertility treatments available to couples but the costs are very expensive.  In-vitro fertilization is a very effective option but just one in-vitro treatment can run into the tens of thousands of dollars.  Most likely it will take more then one treatment to become pregnant.  Also some fertility medications can cost around $1,000 a month and some assisted reproductive technology procedures cost over $4,000.  Many couples can not afford to finance fertility treatments on their own.  Luckily there is supplemental infertility insurance for couples that will give them the treatments they need without going bankrupt.  It usually is very affordable and you can usually get it from your existing insurance company although each policy is very different so the couple really needs to look around before they buy into one.  For a monthly premium, insurance providers will supply you with a plan that will cover a range of fertility treatments.  These treatments usually include diagnostic fertility tests, artificial insemination, and other types of assisted reproductive technology. They may also cover diagnostic test procedures, including laparoscopic surgery.  Normally, infertility insurance plans cover the most inexpensive treatment that will most likely work for the couple.  They most likely will also only cover treatments for a certain number of cycles, usually between three and five.  But, the use of donor eggs and donor sperm is not normally covered by infertility insurance.

There are three different types of infertility insurance.  First there is standard health insurance.  This type of insurance requires that you pay a monthly premium in exchange for specific fertility coverage.  There are also refund programs.  Refund programs require you to pay upfront for your fertility treatments.  If the couple does not have a baby then between 70% and 100% of the money is paid back to them.  The other type of infertility insurance is financing.  The couple can take out a loan to cover the infertility procedures.  If they do not have a baby, these loans do not need to be paid back in full.

Unfortunately, not every couple is able to get infertility insurance.  It varies from insurer to insurer but there are certain qualifications that you have to meet before being approved for infertility insurance.  These qualifications usually require the couple to already hold an existing insurance policy.  They may also have to be under the age of forty.  They may also have to be struggling with infertility problems for one to five years.  The couple then must hold on to the policy usually for a year before they can use it. 

Although there are a lot of variables for the couple to look into and there are certain requirements that need to be met, overall getting infertility insurance for a couple who has been dealing with infertility is a wonderful idea.  After the treatments are successful, the couple is going to need money in order to provide for their new born.  With infertility insurance, couples are able to become pregnant without breaking the bank.

Hawaiian Joe is a critical care healthcare professional. For more great information on Infertility, sign-up for our FREE Infertility Course http://www.E-Infertility.com.

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Joe

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Teddie Joe Snodgrass, MBA, RN, FNP
Hawaii's Rolls-Royce Copywriter & Consultant

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