Health Insurance and Infertility Treatment

Health Insurance and Infertility Treatment

Many infertility treatment clinics and facilities accept major health insurance plans, which can help you pay for your infertility treatment considerably.  Coverage for infertlity treatment is not actually determined by the insurance company- it's determined by the insurance policy that you hold.  Health insurance is typically selected by your employer.  Some insurance policies might cover diagnostic testing, while others might not cover any infertility treatment or testing. Some insurance policies will cover infertility treatment 100%!

To find out whether or not your health insurance will cover infertility treatment, is to call your insurance company and ask.  Verbal acknowledgement is not a guarantee of coverage however, so you should request a list of covered benefits pertaining to your infertility treatment in writing.  If you don't have one already, ask for the insurance policy booklet that you can look up your coverage for each type of infertility treatment (as well as other medical services).

Sometimes health insurance policies will cover infertility treatment, but will charge higher co-payments than what you pay for other health services.  You will also want to verify your prescription benefits for infertility treatment drugs, as many doctors will want to prescribe them.

Before undergoing any infertility treatment, you may wish to get a predetermination of benefits.  This is a document that shows what the insurance will cover and what you are expected to pay- and that way you won't have any surprises after the infertility treatment has been completed.  If your claim is denied, you can ask to see the portion of the contract that shows your infertility treatment is excluded from coverage.  If the insurance company doesn't have an exact reason- you will have a stronger case if you decide to fight for coverage for infertility treatment.

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source; http://www.embryo.net/fertility-pages/fee.html