Infertility Insurance Options
Infertility Health Insurance Coverage
Infertility health insurance coverage is extremely rare and very difficult to find. Most medical plans choose not to cover infertility for a simple reason: the cost of providing such a benefit may far exceed the premium most policy holders are willing to pay.
Infertility insurance must pay for the cost of the Artificial Reproductive Technique (ART), medical treatment of the resulting conception, extra monitoring of high-risk pregnancy, and NICU confinement of premature infants connected with high order multiple birth. Fifteen states mandate that medical plans cover infertility, but loopholes abound. Couples trying to conceive should:
Key Infertility Health Insurance Topics
Supplemental Health Insurance for Infertility
Supplemental health insurance for infertility allows you to bet that your efforts will work. Purchase supplemental insurance while you are still trying to conceive. Benefits are paid when you deliver your baby. Your benefit for normal delivery may greatly exceed the premium you pay. Use the surplus to offset some of your costs.
Couples undergoing artificial reproductive treatments often experience high-risk pregnancies. Some couples are starting later in life, while others choose a fertility procedure that results in multiple pregnancies. Supplemental programs may pay benefits if mom misses work prior to delivery, or needs to be confined to the hospital prior to her due date.
Multiple pregnancies often are delivered pre-term. When this happens your infants may spend time in the Neonatal Intensive Care Unit (NICU). You may be left with extra hospital bills. Supplemental policies may also cover the hospital stay for mom's normal labor and delivery, and may pay additional benefits for each infant confined in the NICU for medical reasons.