- What Is In Vitro Testing
IVF has helped thousands of couples have their very own child, and it is also one of the more expensive methods and running $18,000 per cycle, many couples are looking for ways to help finance this procedure. Some couples wonder if there is in vitro fertilization insurance to help with any of the costs that come with this procedure such as consultations, blood test, and other fees.
You need to pay these fees for each cycle you’ve done and there are any whoever undergo 3 or even more cycles. This can get rather costly over time. Several couples often reconsider this as this leaves many in debt on top of having a child to support.
Locating Fertility Insurance Coverage
For couples looking for insurance, you know how hard it is. There are rarely any insurance companies offering this type of coverage. The only way you may find IVF insurance is if your state mandates it. There are about 15 states that will mandate insurance companies to offer this type of insurance. You should learn what states have these laws to learn how they work and also whoever these laws are going to help.
Tips for Finding This Insurance Coverage
For those whoever are employed, consider asking the human resources department if they offer any type of coverage. There are any companies that may offer this insurance coverage to cover the entire procedure or at least any of the fees. You should see if your state mandates it and if so you should make sure you know the entire law.
There are any cases where this procedure will be one and any cases it’s not going to be. There are any cases where this insurance is going to be mandated by the state and will cover the IVF but it will not cover other fees or other procedures. Some states mandate insurance that covers many things associated with IVF.
There are other testing and things done with an IVF procedure including blood testing and consultations. Fertility drugs are another aspect and if you choose to have sperm donation or egg donation that is extra as well. If you need counseling that is an additional cost for any couples. State laws are not consistent enough to have any laws that will determine what fees are going to be covered.
If you happen to live in one of the 15 states that requires insurance to cover this procedure or even in a state that doesn’t mandate it, you should learn the law and what it covers if anything. Knowing the law will help to avoid any surprises that may arise later on down the road.
There are not insurance companies that offer coverage to completely cover this procedure but there are any insurance coverage plans that will cover parts such as consultation visits or the fertility drugs. Some insurance plans will refund money after you go through a certain amount of cycles of an unsuccessful pregnancy. If you’ve a child, your costs are going to be much more so insurance companies offer different coverage options.