Acupuncture And Ivf Embryo Transfer

February 2, 2011 9:38 am | Chinese Acupuncture

Acupuncture And Ivf Embryo Transfer


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Infertility Insurance Coverage – A Sneak Peek

There are many couples who want to conceive yet find it very difficult to get pregnant. Many individuals experiencing infertility have pondered undergoing fertility treatments to better their chances of conception. However, modern fertility medicine and treatments are costly. Summed up, costs for intrauterine insemination (IUI) and in vitro fertilization (IVF) series can break the bank.

The good news is that couples can now enjoy the benefits of infertility insurance coverage.

What is Infertility Insurance?

Designed to support couples planning to undergo or currently undergoing fertility therapies, infertility insurance plans lessen the financial burden. Insurance providers require the patient to pay a premium each month for partial coverage of infertility treatments. Artificial insemination, embryo transfer and fertility testing may be part of the insurance policy.

Why Infertility Insurance Coverage Matters

Due to the high cost of treatments, some fertility procedures are not even an option for most Americans.

Fertility drugs can amount to thousands of dollars per month. As this adds up, couples can become bankrupt before even completing their treatments! One IVF cycle can be around $12,000 to $17,000, depending on the patient’s needs. IVF treatment cycles include costs for blood tests, ultrasound, surgery, medicine, anesthesia, embryo storage, embryo transfer and processing of eggs and sperm.

Infertility insurance coverage enables couples to get treated without having to face bankruptcy.

Various Infertility Insurance Methods

Infertility insurance is available in different forms.

  • Standard Health Insurance: This kind of infertility insurance requires insurance holders to pay a monthly premium to their insurance provider. In return, the insurance provider will cover a portion of particular fertility treatments but usually only up to a certain amount.
  • Refund Programs: Several infertility clinics as well as private insurance providers offer refund programs. Such programs require patients to pay all treatment fees as per normal. However, fees for unsuccessful treatments are refunded…usually 70% to 100%.
  • Financing: A loan is another mode of financial assistance. Some programs do not oblige patients to repay the full load unless they get pregnant.

What’s Included

The kinds of fertility treatments covered by insurance depend on the policy and provider. Individuals should clarify the inclusions beforehand to avoid surprises. Ideally, the insurance will cover all medication, diagnostic exams and fertility treatments.

Most insurance plans cover only the most affordable treatment that is effective for the patient. Also, the insurer may only pay for a number of treatments in a series, commonly three to five cycles. The following are usually included in fertility insurance policies:

  • IVF
  • IUI
  • ZIFT
  • GIFT

Generally, infertility insurance policies cover diagnostic exams and procedures such as diagnostic surgery. However, some medications like injectibles as well as egg and sperm donation procedures are not always part of the insurance plan.

Qualifications

Not everyone is qualified for infertility insurance coverage. To be granted insurance, most applicants have to be:

  • under 40 years of age
  • facing infertility for a specific time period (from one to five years)
  • insurance plan holders for a minimum of 12 months

Applicants that have previously been diagnosed as infertile may not qualify. Couples without infertility insurance plans might want to consider refund programs or financing strategies to lessen the payment load.

Available Options

Any kind of medical procedure has pros and cons. Assisted reproductive technologies (ARTs) can lead to ovarian hyperstimulation syndrome, a condition that can be caused by fertility medicine used alone or with IVF.

ARTs trigger multiple pregnancies, which are dangerous to mother and baby. One of the latest studies by the US Centers for Disease Control and Prevention show that there is a 30% more probability for IVF babies to have genetic and health flaws.

To avoid health risks and high costs, many individuals decide to go natural. Holistic, non-surgical healing techniques that include Chinese medicine, herbs, acupuncture, exercise, lifestyle changes and healthy diets are becoming more and more popular.

Joseph Conrad, a medical researcher by profession, is the creator of How Conceive, an info-rich website that discusses the issues surrounding Infertility and the various methods for achieving Fertility.

For more detailed info on all aspects of Infertility, visit Joseph on the web=> Infertility Insurance Coverage

(c)Copyright – Joseph Conrad. All Rights Reserved Worldwide.


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