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Health insurance for infertility treatment can be a complicated – and touchy – subject. It affects a lot of people – approximately 6 million women experience the pain of infertility each year in the United States. The health insurance laws in the state you live in may have a lot do with the extent of your coverage; for example whether your employer is required to provide infertility insurance or not.

One reason that infertility insurance is so expensive and hard to come by is because the procedures are so complicated – an in-vitro fertilization procedure can cost $10,000 or more. Not surprisingly, many insurance companies simply don’t provide – or provide very limited – insurance coverage for infertility.

There are some things you can do if you aren’t covered for infertility treatment under your health insurance. Firstly, make sure you read and fully understand your insurance policy – some policies exclude actual treatments only, some exclude diagnosis too.
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Health insurance- whether provided by your employer or purchased by you-can be both expensive and complex. To better understand your options and control your health insurance costs, consider these tips and suggestions from the National Association of Insurance Commissioners (NAIC), a voluntary organization of state insurance regulatory officials:

Know Your Options

• Married couples in situations where both spouses are offered health insurance through their jobs should compare the coverage and costs (premiums, co-pays and deductibles) to determine which policy is best for the family.

• Always stay in-network when possible, making sure to get referrals and pre-certifications as required by your plan.

• Keep all receipts for medical services, whether in- or out-of-network. In the event you exceed your deductible, you may qualify to take a tax deduction for out-of-pocket medical bills.

• Consider opening a Flexible Spending Account (FSA), if your employer offers one, which allows you to set aside pretax dollars for out-of-pocket medical expenses.

• If you lose or change jobs, be aware of your rights to continue your group health coverage from your old employer for up to 18 months (though you have to pay the premiums), as provided under COBRA (the Consolidated Omnibus Budget Reconciliation Act).

Health Insurance Tips for

Different Life Stages

The NAIC’s consumer Web site, Insure U, (www.InsureUonline. org), explains the different types of health insurance and gives focused tips to consumers based on their likely needs in different life stages. For example:
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