Insurance That Covers When IVF Works

Fertility treatments are expensive.  Finding infertility & IVF insurance coverage can be challenging.

Fourteen states mandate infertility insurance coverage for some insurance companies and/or employers.  If you live in one of those states, you might be one of the lucky few.  But when you are blessed with a pregnancy, your costs are just beginning. 

Many couples with infertility issues look to insurance companies to help pay for the cost of their treatments.  Afterall, who wants to make all these additional medical payments, only to come up empty? 

But a singular focus on these insurance plans is short sighted.  If a couple can't afford infertility treatments, how can they possibly deal with the left over medical bills associated with a high-risk pregnancy, followed by lost income for maternity leave, followed by the added costs of raising a child? 

Worse yet, many couples borrow money to pay for infertility treatments, get pregnant, and experience complications.  It leads many to financial ruin.

Supplemental Maternity Insurance provides additional coverage options for the much bigger exposure for many families: what happens when we get pregnant? 

It allows couples to fund thier maternity leave, protect against a high-risk pregnancy, and provides security for multiple birth - which often means an extended NICU stay with many left over bills.

Fund your Maternity Leave

You are trying to conceive.  You know the odds of conception.  If you are using in vitro fertilization, you may even be able to project the date of conception.  You can cash in on a successful infertility treatment by purchasing supplemental insurance before conception. 

Supplemental Maternity Insurance when bought preconception may return three times the premium paid over twelve months, creating up to eight weeks of maternity leave take home pay for normal delivery.  Short term disabiity insurance pays a six week benefit for vaginal delivery, and an eight week benefit for c-section delivery.

Protection for the Risks of Pregnancy

What if you experience a high-risk pregnancy, and need to leave work well in advance of delivery?  What if you are injured during delivery, and need extra time to heal before returning to work? 

Short Term Disability Insurance also covers the extra time missed due to pregnancy and delivery complications.

Security for Multiple Births

Infertility treatments, especially IVF treatments have a higher incidence of multiple pregnancies.  Multiple pregnancies are more likely to result in premature birth.  What if you deliver early, and your infant(s) need to spend time in the neonatal intensive care unit (NICU)?  There may be unexpected hospital bills, specialist co-pays, and you may to take extra time away from work to care for your infants at home.

Hospital Indemnity Insurance will pay additional benefits for each infant confined in the NICU for medical reasons.