Is it possible to get infertility covered under health insurance?
Total Comments: 6
Posted: Fri Oct 24, 2008 07:28 am Post Subject:
Hi,
That's quite a debatable issue I guess!
I don't think it would be easier for all insurance professionals or carriers to answer this one. Even the advocates and carriers would show different opinions regarding this topic. Some of them would just be too confused to convey their opinions. Purpleheaded08
Posted: Fri Oct 24, 2008 07:30 am Post Subject:
Health coverage for infertility may be available even with the employer provided health coverage, but is often too expensive to carry. Hence, you may not find many insurance companies offering coverage for infertility treatments. However, some may exclude only specific treatments whereas the others may also exclude the diagnosis.
Thanks,
Rupert
Posted: Fri Oct 24, 2008 02:37 pm Post Subject:
Hi all..
Many states have specific legislations about infertility coverage. In some of these states it is mandatory to provide a certain worth of infertility coverage along with the general health insurance plans. Some other states would make it a choice for the applicants to accept it or reject it while signing up. Still, there are many states who would not go for any such fixations. Crossbreed
Posted: Thu Oct 30, 2008 04:34 am Post Subject:
Some of the individual policies that I sell have additional riders that can be purchased so that it is covered (along with birth control). It just varies by the Insurance company and state DOI regulations.
Posted: Sat Apr 18, 2009 10:48 pm Post Subject: Drugs but not procedure
My wife had a tubular reversal which was fully covered, then when the doc. wanted to try in vetro the ins. company said it was not covered. My wife looked at our policy and found that the drugs were covered just not the actual procedure. Our doctor said he would do it for free though so we got lucky, because the procedure is what costs the most. But back to you, check to see if the drugs are covered, that will save you a bit.
Posted: Thu Apr 30, 2009 07:19 pm Post Subject:
Generally speaking, individual and family plans will not cover infertility whereas group employer sponsored plans may.
Posted: Fri Oct 24, 2008 07:28 am Post Subject:
Hi,
That's quite a debatable issue I guess!
I don't think it would be easier for all insurance professionals or carriers to answer this one. Even the advocates and carriers would show different opinions regarding this topic. Some of them would just be too confused to convey their opinions. Purpleheaded08
Posted: Fri Oct 24, 2008 07:30 am Post Subject:
Health coverage for infertility may be available even with the employer provided health coverage, but is often too expensive to carry. Hence, you may not find many insurance companies offering coverage for infertility treatments. However, some may exclude only specific treatments whereas the others may also exclude the diagnosis.
Thanks,
Rupert
Posted: Fri Oct 24, 2008 02:37 pm Post Subject:
Hi all..
Many states have specific legislations about infertility coverage. In some of these states it is mandatory to provide a certain worth of infertility coverage along with the general health insurance plans. Some other states would make it a choice for the applicants to accept it or reject it while signing up. Still, there are many states who would not go for any such fixations. Crossbreed
Posted: Thu Oct 30, 2008 04:34 am Post Subject:
Some of the individual policies that I sell have additional riders that can be purchased so that it is covered (along with birth control). It just varies by the Insurance company and state DOI regulations.
Posted: Sat Apr 18, 2009 10:48 pm Post Subject: Drugs but not procedure
My wife had a tubular reversal which was fully covered, then when the doc. wanted to try in vetro the ins. company said it was not covered. My wife looked at our policy and found that the drugs were covered just not the actual procedure. Our doctor said he would do it for free though so we got lucky, because the procedure is what costs the most. But back to you, check to see if the drugs are covered, that will save you a bit.
Posted: Thu Apr 30, 2009 07:19 pm Post Subject:
Generally speaking, individual and family plans will not cover infertility whereas group employer sponsored plans may.
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