IVF or Bust
We recently received our 2013 Health Insurance guide and being the responsible adult I lie about, I read through the entire pamphlet. I needed to know if cosmetic surgery or massages were covered. In my perusal of the OTHER SERVICES section, just beyond the glare, I noticed that Infertility was covered:
$2000 for life.
Here is what our second cycle of IVF cost nearly four years ago:
I would love to know of those with infertility, who has gotten pregnant for two grand.
There’s a lot of debate about providing coverage for infertility. In the lay-manliest of terms, the central issue is that since the advent of Assisted Reproductive Therapy (IVF and IUIs and such) more multiple births arrive prematurely and premature babies put a huge financial strain on the healthcare system. So no one gets anything. More or less. So move to Canada. Here is a brief article on the debate with her first point being the most relevant IMHO: “Remove the financial pressure to transfer more than one embryo at a time and we could have more healthy singleton pregnancies and better outcomes.”
After going through six IVF cycles and three IUIs, I can tell you two things: 1) there is no crummier feeling than pinning your dreams of having a child on your bank account and 2) we were lucky to live in Connecticut for a while.
“Since the 1980s, 15 states—Arkansas, California, Connecticut, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas and West Virginia—have passed laws that require insurers to either cover or offer coverage for infertility diagnosis and treatment. Thirteen states have laws that require insurance companies to cover infertility treatment. Louisiana and New York prohibit the exclusion of coverage for a medical condition otherwise covered solely because the condition results in infertility. Two states—California and Texas—have laws that require insurance companies to offer coverage for infertility treatment. While most states with laws requiring insurance companies to offer or provide coverage for infertility treatment include coverage for in vitro fertilization, California, Louisiana, and New York have laws that specifically exclude coverage for the procedure.” – From the National Conference of State Legislatures
If you are in the States, make sure you know your right$. This is a great place to start: RESOLVE.
Start now. Stay aggressive. Never quit.