Getting Infertility Health Insurance

For couples seeking infertility treatment, the cost of treatment is very often a matter of concern and is a driving factor that ultimately influences treatment options. Infertility treatments are expensive and place a considerable financial strain on couples. It is critical to understand the type of coverage your insurance policy provides for infertility treatment and the eligibility criteria, since an absence of insurance coverage would mean paying for the treatment from your own resources which can be a very daunting possibility.

What is Infertility Insurance?

Infertility insurance is a type of health insurance which helps you pay for your fertility treatment. Your Infertility Health Insurance plan might cover a range of fertility treatments, including diagnostic fertility tests, artificial insemination, and other types of assisted reproductive technology (ART). You need to make sure that you understand what is and what is not covered under your infertility health insurance completely. Every infertility health insurance plan is different, so it is important to look around and compare factors such as annual deductible amounts, premium costs, and other services offered before buying a plan. Some policies do not include infertility diagnosis, while some do not cover the actual treatment.

Need for Infertility Insurance

Infertility Health Insurance policies are helpful in managing the total cost associated with infertility treatment which otherwise can be very expensive. Health insurance for infertility has become increasingly popular, particularly as most of the infertility treatments involve complicated medical procedures making these treatments expensive. The more information you gather about infertility insurance options before starting treatment, the better it is. Some of the infertility treatments that are covered under common infertility insurance are IUI, IVF, ZIFT and GIFT.

Different Types of Infertility Insurance Policies

There are two major types of infertility health insurance:
• Standard Health Insurance: It provides you specific fertility coverage in return of a monthly premium.
• Refund Programs: Under this program between 70% and 100% of the money is paid back to you if you do not have a baby at the end of the fertility treatment.

Who Can Get Infertility Insurance?

Though infertility insurance varies from insurer to insurer, there are certain criteria, following which one can get infertility insurance. They are:
• Couples should be under the age of 40
• Couples should have faced fertility problems for a specific period of time
• Couples should be policy holders for at least one year

California based East Bay Fertility Center (www.ebfertility.com) offers a number of financial packages to make the cost of infertility treatment affordable. Diagnostic testing and IUI may be covered by insurance depending on the diagnosis reports. East Bay Fertility Center accepts the following insurances: Blue Cross, Blue Shield, Cigna, and United Healthcare. Corporate discounts are also available. The cost for testing and treatment will be reviewed with each patient at the time of the free initial consultation.

We understand how important the financial considerations for all our patients are. To provide the highest level of comprehensive care and service, we explain the costs of treatment and the extent of insurance coverage much before the actual treatment starts.

East Bay Fertility Center is contracted with the following insurance plans:
• Aetna Medical Insurance Plans: Aetna provides coverage for diagnostic infertility services to evaluate the possible causes of infertility and treatment thereafter, only if such coverage is provided under a member’s benefits plan.
• Insurance Plans with Hill Physicians: They are a network of physicians who are committed to offer the best in healthcare.

At East Bay Fertility Center, we value this precious time of your life and help achieve your dreams of becoming parents faster and with the least inconvenience, starting from the tests to the treatment.