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Paying for Fertility Treatment: Infertility Insurance

Highlights from February 23, 2011 Creating a Family radio show

Will your health insurance cover fertility treatment? How do you find out? Can you buy specialized insurance to cover IVF or other fertility treatments? How will the Health Care Reform Act of 2010 change Fertility Insurance Coverage? Fertility Insurance Coverage. Insurance for In Vitro Fertilization Insurance. Surrogacy Insurance. Infertility Treatment Insurance. Infertility Insurance Coverage. Our guests to talk about this are Lee Rubin Collins, Co-chair for Advocacy and Vice Chair of the Board of Directors of RESOLVE: The National Infertility Association. A former big-firm lawyer, after her own experience with infertility Lee has dedicated her volunteer time to advocating for the rights and interests of others with infertility. We also have with us Trish Taylor, President and Founder of New Life Insurance Agency, specializing in insurance for all types of assisted reproduction technologies. Last but not least we have Linton White, Chief Operations Officer for Fertility Physicians of Northern California with over 25 years’ experience in health care administrative and physician practice management.

  • What states mandate that health insurance policies offer coverage for fertility treatment.

  • How to determine if your health insurance policy will cover infertility treatment, IUI, or IVF

  • How is infertility defined by health insurance policies?

  • Is infertility treated by health insurance as a medical necessity or an elective procedure?

  • How can you get coverage for parts of your fertility treatment even if your insurance policy will not cover in vitro fertilization (IVF)

  •  If your medical insurance policy does not cover treatment how to determine if it will cover the diagnosis of infertility?

  • Can you change medical insurance after you have been diagnosed with infertility to a policy that covers fertility treatment? Or will your infertility be treated as an existing condition?

  • How to manage your fertility treatment to maximize your health insurance coverage if your insurance policy limits the number of IVF cycles that will be covered by the insurance policy.

  • Are there insurance policies that specialize in assisted reproduction?

  • Can you buy insurance specifically to cover infertility treatment?

  • Can you buy insurance to cover surrogacy?

  • What type of insurance do intended parents need when using a gestational carrier / surrogate?

  • Is insurance necessary when using donor eggs? If so, what type of insurance should you get and who provides this insurance—the intended parents or the egg donation or surrogacy agency?

  • How do you appeal when your insurance company denies coverage for infertility?

  • Are appeals of insurance denials for fertility treatment often successful?

  • How will the Affordable Care Act or the Health Care Reform Act affect medical insurance coverage for fertility treatment?

  • Will infertility be considered and “essential health benefit” under Obamacare?

  • Fertility treatment and the Patient Protection and Affordable Care Act (PPACA).

  • How will Healthcare Insurance Reform affect insurance coverage for Infertility?

  • Will Healthcare Reform help or hurt insurance coverage for Fertility Treatment?

  • Fertility LifeLines is a great resource for answering medical insurance questions about Infertility.

 

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I wanted to thank you for all of the wonderful things you do. We brought our beautiful baby boy home from the hospital on April 2nd. While we waited for an adoption match and then waited for his birth, your podcast and website were a continuous reminder that we were part of an amazing adoption community. It really helped us not feel alone.  ~Sarah S.

I listen to your radio shows daily on my iPod while cleaning, exercising, driving etc. I've learned so much from it, that today in the foster- adopt support group I felt like an all knowing expert, despite the fact, that I have zero experience in the field. Thank you for a wonderful resource! I am spreading the word. ~G. Longley

Thank you so much for your radio show! I was just listening to it, and it's very informative. My husband and I are in the process of adoption, so we read a lot to be able to make informed decisions. Your website is a great resource for us! ~N.M.W.

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I LOVE your show, it's the most helpful, unbiased information I’ve found about infertility and adoption and I'm so thankful for you and your organization. Keep up the fantastic work, you are changing lives. ~ Amanda

So I would like to introduce to you....Z. V.. She is now 11 weeks old. She came from a lovely perfect little frozen embryo, from our 4th round of IVF (2 fresh cycles and 2 FET)...more  ~A. Houston

I'm just writing to say that I've downloaded another bunch of your podcasts onto my iPhone and while I listen to them on my daily commute I silently
thank you for doing such a good job and conducting such brilliant interviews!!!...
more   ~G. Marino

Although you don't know us from Adam, I wanted to drop a line and thank you for the amazing info, sound advice, and encouragement you offer to adoptive and prospective adoptive parents.  We just received our pre-approval for our daughter, W, from China!  You (in book, website, blog, and podcast form) have been there every step of the way in this journey.  ~ J. & C. Morningstar

I just wanted to drop you a note and tell you how much I love your show. I recently got an iPhone and have been listening to them on iTunes. Your "What Adopted Teens Want Their Parents to Know" session was amazing!!!          ~A. Watson

My husband and I are parents through adoption to THE three most incredible children in the world. All via newborn domestic transracial.  I wanted to tell you how much I’ve enjoyed and benefitted from your web site.  I often refer potential adoptive parents who ask me for advice to your site. I especially enjoy your radio shows and today’s show on "Knowing When to Move from Infertility to Adoption" particularly resonated with me. ~N. Ferrari

I have loved, loved this radio show. It has been hands down the most helpful resource on this often painful and confusing journey. ~ R. Butler

I have been listening to lots of your radio shows of late. Great guests and very enlightening always. Thanks so much for keeping us up with the latest.  ~ W. & M. Welch

I just wanted you to know what a tremendous resource and blessing your podcasts have been to my wife and I as we prepare to travel early next month to pick up our new 17 month old son from Colombia...more
~ M. & L. Oakes


I just wanted to share my story since Creating a Family pod casts were so helpful to me when I was infertile. It really helped knowing I wasn't alone and could get the most updated information on my condition. I am almost 32 years old and I have been trying to get pregnant for 6 long years...more ~ J. Mendenhall

 

You are the REAL DEAL—Thank you for your guidance, radio show, information, knowledge, resources, care & wisdom to know what is needed when.     ~ S. Miller 

We are awaiting the arrival of our child from Ethiopia. I recently took a road trip and downloaded 9 hours of the Creating a Family podcasts and listened to them all. I learned so much. Thanks.        ~J. Madine 

Just home from adopting our son in Colombia. He and we are doing great. Your site and especially podcasts were a tremendous resource to us personally, as well as for a reason we didn't ever expect...more  

~ M. and L. Oakes

 

 

 

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