One reason for the infertility insurance is so expensive and hard to come by is because the procedure is so complicated-procedure fertilization in-vitro fertilization can cost $ 10,000 or more. Not surprisingly, many insurance companies are not just handed or provide very limited - Insurance for Infertility.
There are several things you can do if you are not covered for infertility treatment your health insurance. First, make sure you read and understand your insurance policies-some policies actually exclude only treatment, some exclude the diagnosis too.
Determine whether you live in a country that has compulsory insurance of infertility - New York, for example, one of the few countries. Under the mandate, your state should ensure that insurers provide fertility insurance as part of a standard plan, or as an option to purchase for a reasonable price.
If you shop around health insurance, never mentioning that you were looking specifically for fertility insurance, or that it is then possible concerns. As this coverage is so expensive, the insurance company has the legal right to refuse your application for insurance - without giving any reason.
If you are denied coverage, it is also possible to appeal to your insurance company for the reason that fertility coverage is a medical procedure that is legitimate and necessary. To appeal the decision works, always obtain legal advice, and you may need the support of your doctor.
And if your insurance company will cover not only the good news is that the treatment of infertility, like most medical procedures are tax-deductible. This includes the actual procedure as well as a general doctor visits, drug costs, etc.