Insurance Coverage for Infertility Treatment and Assisted Reproductive Technology Where to Start: - Check out the following Creating a Family radio shows dealing with infertility insurance coverage:
Books, Articles and Information on Infertility and Insurance:
Health Insurance 101 To understand insurance coverage for infertility treatment, you first need to understand how health insurance works and how to read a policy. It's not fun, but it can be and must be done. This is not something you can leave to someone else, including the insurance specialist at your infertility clinic. You can rely on them, but you must also be educated. This is a good place to start. National Conference of State Legislatures provides a great up-to-date list of every state laws as they relate to insurance coverage for infertility treatment. This is a must read when you are trying to figure out where your state falls in this coverage mess. Another summary of just those states laws that offer insurance coverage for infertility can be found here. Understanding Insurance Coverage walks you through the beginning steps to understanding your insurance policy. The best advice is to get all insurance coverage discussions in writing, and this sites provides sample letters for you to use. 65% of employers that offer insurance coverage for infertility treatment do so because an employee asked. If you don't ask, the answer is definitely "no", so what do you have to lose? Here's a sample letter for you to use. Employers are often afraid that including coverage for infertility will drive up their health care costs. Did you know that 91% of respondents offering infertility treatment have not experienced an increase in their medical costs as a result of providing this coverage. Other facts that you might want to include in your letter can be found here.
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