A lot of couples who want to start a family are often hesitant and anxious due to the costs and expenses that await them. Admit it, getting pregnant is expensive and it’s too big a challenge that many couples are not sure they’re going to win.
The growing expenses of pregnancy is due to the fact that the cost of drugs, treatment medications and procedures are high. Fortunately, before you shake your head and turn your back completely on raising children, be assured that fertility insurance plans can help.
A Background of Infertility Insurance Coverage
Infertility Insurance Coverage was established to financially assist couples with their fertility therapies. If you or your partner needs to undergo any form of Infertility treatment, a percentage of the costs will be covered by your insurance provider. In order to avail these helpful benefits, you need to follow their rules and pay a monthly fee that is in accordance to the insurance plan that you choose.
How Can Infertility Insurance Coverage Help You
The cost of fertility medicines and certain fertility procedures can total up to thousand of dollars every month making many Americans cringe. Some of these include expenses for surgery, anesthesia, medicine, laboratory tests like ultrasound, blood tests, egg and sperm processing, embryo transfer and many others. If you decide to pay for them out of your own pocket alone, you will most likely end up broke. That is why applying for any Infertility insurance is a wise decision.
Kinds of Infertility insurance Coverage
- Standard Health Insurance that involves paying a monthly fee to your insurance provider.
- Refund Programs are offered by some insurance providers and infertility clinics. In this type of insurance, you will pay your fertility treatments. If in case the treatment is not successful, your payment will be refunded.
- Financing is when you can ask for a loan to pay for fertility treatments. Some loan programs will not oblige you to pay for the loan, not until you get pregnant.
Some of the treatments covered by an insurance provider are IUI, IVF, ZIFT and GIFT. However, do not assume that your insurance provider will cover all expenses. Some of them will only pay for the least expensive treatment that is recommended for you.
Who Qualifies for An Infertility Insurance Coverage?
Unfortunately, infertility insurance plans are not for everyone. You have to be able to meet the following qualifications:
– 40 years of age and below
– have been suffering form an infertility problem between one to five years
– a policy holder for not less than 12 months
Due to the increasing costs of medical services including infertility treatment, applying for any insurance plan will definitely be a great lift of financial burden off many people’s shoulders.