My wife and I are recently married and we have 3 boys 2 are mine and one is hers and we'd like to have one together.
I had a vasectomy back in 1998 before I was Divorced.
We're trying to find an insurance company that would pay for Artificial Imsomination(no luck yet!).
I love her and I see how she looks when she thinks it's never going to happen.
I'v even told her to try and find someone to get her pregnant with no strings attached,all they have to be is the sperm donor and they would never have to see her again.
To me thats love and I'd do anything to make her happy including having her have sex with someone else to get pregnant.
If there's any kind of help out there we sure would like to hear it.
Thanks for taking time to read this novel (lol)!
2007-09-16 10:54:30 · 5 answers · asked by jds422003 2 in Pregnancy & Parenting ➔ Trying to Conceive
Insurance companies are in business to make money. Lets look at the business case of infertility treatment. If you are unable to have a baby, they don't have to pay 10 grand for a delivery room, pre, and post natal care, and so on. So why would they fork out 5-10 grand on fertility treatments only to fork out another 10 grand on the rest?
Do the math. What are you paying for health insurance? Lets say you pay $400 a month and your employer pays $100. So the insurance company takes in about 6K a year for you and your wife. Why would the volunteer to pay that 6K on a procedure that will cost them another 10k next year.
If your employer is self insured, then the situation is even worse. That money should be available to someone that has a brain tumor that really needs medical help. Not you who just is just trying to fulfill his wife's selfish desire for a baby.
Think about it.
2007-09-20 10:11:22 · answer #1 · answered by Marvin 7 · 0⤊ 0⤋
Because you were voluntarily sterilized, no insurance company will pay. You are on your own. So, you can stop looking. One of you can get a second job and you should be able to do it within 6 months. It is the least expensive of many infertility treatments. I would also recommend only going through sperm banks because you will have more medical information and your wife won't have to risk getting HIV.
BTW, even with insurance, it wouldn't cover the sperm from a sperm bank. Only the procedure.
2007-09-16 11:15:59 · answer #2 · answered by CarbonDated 7 · 0⤊ 0⤋
No insurance will cover that because it is not medically necessary to have children. Also they will then have to pay for the birth of your child etc. Think about it.
2007-09-20 09:19:21 · answer #3 · answered by Your Brother 4 · 0⤊ 0⤋
Unfortunately, it's rare that insurance companies will even pay for involuntary infertility. So they certainly aren't going to pay for a procedure that you had voluntarily.
2007-09-16 12:03:33 · answer #4 · answered by Anonymous · 0⤊ 0⤋
It all depends on the group you have coverage with. The group can chose to add "riders" that would allow their employees to be covered for artificial insemination.
2007-09-16 11:02:12 · answer #5 · answered by Anonymous · 1⤊ 0⤋