| Health insurance for infertility treatment can be a | | | | for example is one of several such states. Under the |
| complicated - and touchy - subject. It affects a lot of | | | | mandate, your state must ensure that insurers |
| people - approximately 6 million women experience | | | | provide fertility insurance as part of a standard plan, |
| the pain of infertility each year in the United States. | | | | or as an option to purchase for a reasonable price. |
| The health insurance laws in the state you live in may | | | | If you are shopping around for health insurance, |
| have a lot do with the extent of your coverage; for | | | | never mention that you are looking specifically for |
| example whether your employer is required to | | | | fertility insurance, or that this may later be a concern. |
| provide infertility insurance or not. | | | | As this coverage is so costly, insurance companies |
| One reason that infertility insurance is so expensive | | | | have the right by law to turn down your application |
| and hard to come by is because the procedures are | | | | for insurance - without giving you a reason. |
| so complicated - an in-vitro fertilization procedure can | | | | If you are denied coverage, it is also possible to |
| cost $10,000 or more. Not surprisingly, many | | | | appeal to your insurance company on the grounds |
| insurance companies simply don't provide - or provide | | | | that the fertility coverage is a legitimate and |
| very limited - insurance coverage for infertility. | | | | necessary medical procedure. To appeal any decision |
| There are some things you can do if you aren't | | | | successfully, always obtain legal advice, and you may |
| covered for infertility treatment under your health | | | | need the support of your doctor. |
| insurance. Firstly, make sure you read and fully | | | | And if your insurance company just won't cover it, |
| understand your insurance policy - some policies | | | | the good news is that infertility treatment, like most |
| exclude actual treatments only, some exclude | | | | medical procedures are tax-deductible. This includes |
| diagnosis too. | | | | the actual procedures as well as general physician's |
| Determine whether you live in a state that has | | | | visits, drug costs, etc. |
| mandatory infertility insurance coverage - New York, | | | | |