Cost of infertility treatment
Costs for conventional infertility treatment are very high. To undergo an IVF treatment it may cost anything between $8,000 and $15,000. Some people who take this treatment may require to have genetic tests or intracytoplasmic sperm injection (ICSI). ICSI is the procedure to inject the sperm directly into the egg in the laboratory. Not everyone having an IVF treatment may require an ICSI procedure. But, when it is required, the cost may add up to a lot of money. In the case of some couples, they may have to go through the IVF cycle up to three times before getting pregnant.
In the light of what is stated above, it is wise to make sure in advance that your insurance policy covers adequately for this treatment. Some tips about insurance cover for fertility are given below.
1.Make sure whether the state in which you live has mandated the insurance companies to cover claims on fertility treatment. If specific cover is provided you are entitled to make a claim.
2.Read your insurance plan carefully. It is not the one page list of coverage and exclusions alone. The whole policy must be looked into. In case you do not have a copy of this, you can get it from the insurance company. If you find something in your favor, approach the insurance company armed with the information. Had you asked them first, they may not be interested to explain their liability.
3.If the fertility treatment is not specifically excluded in the policy, you are entitled to make a claim. The insurer is bound to cover what is not specifically excluded.
4.Even if there is only a partial coverage for infertility, you can make a claim. Many reproductive endocrinologists do not agree to make a claim from the insurance company. That does not prevent you from claiming reimbursement.
5.If you have a flexible-spending account you can pay for infertility treatment from that account. This account is the special fund set apart from the pre-tax income for specific purposes like medical expenses not covered by insurance.
Before you go to try high-pirce conventional infertility treatment,you should try some "Low Price, High Value" alternative treatment first.Such as fertility books which have a lot of useful information to help you get pregnant without doctor and herbal fertility supplement which is 100% natural without side effects.