what if any health insurance covers infertility?

Answer 1

A lot of health insurance plans have options to cover fertility treatments and/or meds to some degree, but most employers don't pick up those options. Some states have requirements along those lines; check out INCIID.org for information on that.

I happen to have health insurance through Unicare NCPPO and we were completely covered, but that's pretty unusual in my experience.

Answer 2

Tricare covered my fertility drugs, but I don't know how far they would have gone with other treatments such as IVF. But Tricare is the health insurance used by the military and as far as I know, only open to military personnel.

Answer 3

confident they could desire to. yet they do now not look "human beings of religion". As they declare to be. they're human beings of worry. they ought to not insure their church homes and mosques both. yet they do. decrease lower back a teach of no faith.

Answer 4

Most insurance companies will not pay for it, unless mandated by the state. To see if your state is a mandated state, check here.
http://www.resolve.org/site/PageServer?pagename=ta_ic_coverage#AL

There are also several options and grant programs that may help.

Loan:
There are several companies that offer treatment loans. The ARC Affordable Payment Plan, for example, helps make infertility treatment affordable; it provides an extended payment program for dividing the cost of treatment into manageable monthly payments. Beware: The interest rates are usually pretty high and you might be paying for your child until you send him to college.
http://www.arcfertility.com/family_building/financial_services.html

Shared risk:
Many clinics offer shared risk programs that guarantee a baby. You pay a large amount upfront for about 4 cycles of IVF. If you don't conceive, you are refunded a certain amount. There is some controversy about whether these programs are ethical and safe for the mother and child.

Egg/Sperm Donation:
Someone else out there may need an egg or sperm donor. You are screened and tested. You help someone else get pregnant. And you get paid. Some clinics will also offer shared cycles that allow both donor and recipient to share the eggs and both try to get pregnant. Some doctors are hesitant to offer this because of the stress on the donor. What if the recipient gets pregnant and the donor doesn't?

From INCIID the Heart
The InterNational Council for Infertility Information Dissemination (INCIID -- pronounced "inside") announces an ambitious new program -- From INCIID the Heart -- to provide free In Vitro Fertilization to couples in need. INCIID, a non-profit organization, provides information on Infertility and Recurrent Pregnancy Loss (RPL) as well as support to thousands around the world hoping to build a family.
http://www.inciid.org/article.php?cat=&id=239

Affording Hope Infertility Foundation, Inc- They do not have their grant program finalized yet. However, this is an organization to monitor. One of biggest hopes for this Foundation is to be able to afford financial grant giving to those couples pursuing infertility treatments who do not have infertility insurance.
http://www.affordinghope.org/SERVICES.html

Free-IVF
The purpose of Free-IVF.com is to help people finance their dreams of starting a family and lighten the financial burdens of doing so. FREE-IVF.com is a non-profit organization which aims to help all people become successful with IVF cost. We take the stress of out of pocket cost from you and your family, so that you may focus on having a successful IVF procedure and a new beginning.
http://free-ivf.com/

Madeleine Gordon Gift of Life Foundation The Madeleine Gordon Gift of Life Foundation, a nonprofit organization formed in 1995, assists married couples from Greater Cincinnati and Northern Kentucky who have been unable to conceive and might not be able to afford in-vitro fertilization.
http://www.gordongiftoflife.com/

FertileHope. Fertile Hope is proud to present Sharing Hope, a program to help increase access to egg, embryo and sperm freezing for cancer patients.
http://www.fertilehope.org/resources/assistance.cfm

Partnership for Families. The Partnership for Families Program at the Cleveland Clinic Fertility Center at Beachwood provides funding for a second cycle of IVF to couples who otherwise could not afford another try. The program was founded by 23 couples whose lives have been affected by infertility. Each recipient of a Partnership for Families Award receives $8,000 worth of IVF medical services. In addition, Serono Pharmaceutical’s Helping Hands Fund provides $2,000 worth of medications to each recipient. I believe you have to be a patient of this clinic- but if you're already in Ohio, you should check it out.
http://www.clevelandclinic.org/ivf/partnership/

Fertility Assist- New program offering all Serono fertility medications free of charge to eligible patients through Freedom Fertility Pharmacy™ for your third OI or IVF cycle if you have not been successful after the prior two attempts.
http://www.fertilitylifelines.com/paying/fertilityassist/index.jsp

The Origins Drug Benefit Program Through this new program, GIVF (The Genetics and IVF Institute- DC area) will be able to provide free Gonadotropin drugs to most Donor Egg, Shared Risk and self-pay IVF patients who begin their cycle(s) by September 15th 2005. The per cycle savings for these drugs is approximately $900. By providing these drugs to our patients at no cost, the cost of prescription drugs for a typical IVF cycle will be reduced by approximately one-third. GIVF is pleased to offer this program to benefit both new and current patients.
http://www.givf.com/

I am partial to the INCIID the Heart program. Its an amazing organization. They were featured in an article in People (it was the People with Britney Spears and her first baby on the cover).

Answer 5

The government. My bro joined the army...and wham bam...baby. They didn't have to pay.

Answer 6

this depends on your state.. please check out this website for more info on state laws regarding infertility

http://www.asrm.org/Patients/insur.html