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Friday, October 28, 2011

Types of Infertility Insurance

Fertility insurance has become very common. It even helps those couples who cannot afford expensive treatments. Fertility insurance is a type of health insurance. People are more inclined to have this insurance so that they don’t face any financial problem in case of any emergency treatment.

You should visit a fertility clinic if your partner and you are facing problems in fertility. Fertility treatments, i.e. fertility drugs, IUI, and IVF, can help you get pregnant. As these measurements and tests are very expensive that's why many couples cannot afford. It is now commonly proposed by many different insurance providers, but before utilizing these treatments check out if you are covered by infertility insurance.

Infertility Insurance

Infertility insurance is health insurance for the payment of infertility treatments. For  every month insurance provider will give you health care planning that covers fertility treatment that consist of fertility test, artificial insemination and other  types of assisted reproductive technology. Till a specific amount your infertility insurer will pay but if you have pass through infertility treatment. Infertility insurance is mandatory in certain states and throughout United States its available for private purchase.

Reasons for Buying Infertility Insurance

The health care costs are continuously rising, that’s why need for infertility insurance is increasing day by day. Common and popular types of insurance are health insurance, dental insurance, life insurance and insurance for pets. People usually get insurance so that they can have money in times of need. With respect to increase in fertility treatment demands, infertility insurance has also become common. Fertility insurance is being faced by six million or more Americans, which is now being used as a necessity than a luxury. Fertility insurance is expensive for many couples. Per month costing about $1,000 with fertility medications and ART procedures costing $4,000, many couples are not be able to afford it as it is very expensive. Fertility insurance also gives you the trick to get the treatments you need without going bankrupt.

Infertility Insurance Types

There are three main types of infertility insurance.

Standard Health Insurance: Standard health insurance requires that in return of fertility insurance you have to pay premium per month.

Refund Programs: For refund programs one has to pay upfront for fertility treatments. In case, not having a baby you would be paid back between 70% and 100% of the money.

Financing: For infertility purpose you can take out the loans, if unfortunately you do not have baby than you will not have to repay full loan.

Eligibility for Infertility Insurance

Fertility insurance is not for everyone. There are specific requirements that you have to face before approval of fertility insurance. To qualify for infertility insurance, couples who already have insurance policy must be:

  • Under the age of 40.

  • Struggling with fertility for a long period of time.

  • Holding policy for at-least one year.

Couples that are already not having insurance coverage and are recently going for investigations for such cases will not be able to get approved for fertility coverage. In such cases, it is better to check if your fertility clinic offers any refund and financing ways to their customers.

Laws for Fertility Insurance in Different States

According to the habitat, there are different laws for different places. Some states are having a law for employers who have more than 50 employees. It’s necessary for such employers to provide their employees health care coverage, which includes some type of infertility insurance. These states are:

  1. New York

  1. New Jersey

  1. Ohio

  1. Montana

  1. Massachusetts

  1. Arkansas

  1. California

  1. West Virginia

  1. Texas

  1. Connecticut

  1. Hawaii

  1. Illinois

In all these above mentioned states it’s necessary for employers to provide fertility insurance to their employees. While in other states its not mandatory.


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