Fertility problems are medical issues and should be handled as such by insurance companies. Unfortunately, this is not always the case. Many people have no or very limited infertility insurance coverage as a part of their medical policy. It is important to understand your level of insurance coverage as infertility benefits can dramatically reduce your out of pocket costs for fertility treatment.
Each policy will specifically detail the level of infertility insurance coverage your plan provides. For some, the policy will explicitly indicate that there is no coverage for fertility treatment. For others, some treatments and tests will be covered others will not. Take time to read through your policy to uncover:
- What procedures are covered while determining the nature and diagnosing your specific fertility concern
- What treatments are provided for and in what quantities
- If there are any treatments or test that require authorization from the insurance company before they are performed to ensure payment
- Your prescription drug benefits for fertility medication including what specific drugs are covered or excluded
- Which providers are in network and out of network and the difference in payouts
If your health insurance is provided from your employer, you can ask the Human Resources department or benefit coordinator for a copy of your plan. If you purchase your on medical insurance contact your insurer for a copy of the plan.
Typically, there are four types of infertility insurance provided in medical care plans:
- No coverage for any testing or treatment related to infertility
- Coverage for the diagnosis of infertility and determining the specific issue but no coverage for fertility tretment
- Coverage for diagnosis and limited coverage for treatment. Authorized treatment methods may include timed intercourse with monitoring and IUI with the use of oral medication.
- Full coverage for infertility care including diagnosis and treatment. It is common for these policies to have a limit on the number of IVF cycles the plan will cover.
For help understanding your infertility insurance and your specific out of pocket costs for treatment, contact New Hope Fertility Center today. Please click the link below to enter your information and New Hope will contact you, or simply call 212-517-7676. Thank You.