Infertility Insurance Coverage and the Governing Laws


Treatments for infertility at fertility clinics or by any infertility specialists at times can be very costly. If confirmed, there are even more tests to take in finding out the cause of the infertility and none of them are cheap.

That is why there are many companies that give out infertility insurance coverage nowadays. In the United States, many states are mandating this infertility insurance coverage and most of them have set up laws to govern this matter as well. In the United Kingdom and in Canada, on the other hand, the National Health Service provides for free of charge services to all patients who have the right to preliminary testing.

However, many insurance providers hesitate to provide health insurance coverage for infertility, and even if they do, they provide only very limited infertility insurance coverage. This is because most of them are afraid of the costs of the infertility treatments, for each of them is very expensive.

Costly Treatments

Infertility treatments may cost from $300 all the way up to $14000. A simple example of this would be the price of insemination, which costs at least $500 per trial, and the In-vitro fertilization cycle which costs up to $14000. These treatments are some of the most common ones, and even to afford these, many couples would have to sacrifice many other things; in the desire of having a child.

Governmental Laws to Aid the Treatment Costs

Many states have given mandates to infertility insurance coverage and have set certain laws for them. Below are some compiled laws that have been in use to govern the infertility insurance coverage:

First, the patient must fulfil the requirement stated in the statutes to be eligible for the infertility insurance coverage. Some of it would include having at least a two-year history of unexplained infertility, or the infertility must be a reason by disorders such as endometriosis, blocked fallopian tubes that are not a result of voluntary sterilization, and the patient's eggs must be fertilized with her spouse's sperm.

Secondly, the company that provides health insurance should consider the infertility insurance coverage as mandatory. This is stated in some state laws whereby generally the law requires all insurance companies that cover maternity benefits to cover the cost of in vitro fertilization, infertility diagnosis and treatment, medications and so on.

Legal Coverage

Some of the treatments that are covered under the laws of the government besides in vitro fertilization are ovulation induction, inter-uterine insemination, embryo transfer, low tube embryo transfer, zygote intra-fallopian transfer, gamete intra-fallopian transfer, artificial insemination, uterine embryo lavage, and intra-cytoplasmic sperm injections.


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