Before you begin searching for infertility health insurance, you must first determine what kind of infertility health insurance coverage you need. If you know you’re having fertility problems, but aren’t sure why, you may want to check into diagnostic infertility health insurance. Diagnostic infertility health insurance covers medical services administered by doctors to help them figure out the cause of your infertility problems.
However, if you already know the cause of your infertility, check into infertility treatment health insurance. Infertility treatment health insurance covers the cost of any medical procedures administered to help you become pregnant such as special medications, assisted reproductive technologies, intrauterine insemination, and various other surgeries and procedures.
Start determining the infertility health insurance you need by talking with your doctor. Although your regular doctor probably isn’t a specialist in this field of medicine, he or she may still be able to give you advice on which kind of infertility health insurance you need.
Once you have a good idea of the kind of infertility health insurance and procedures you want, contact your health insurance company. Find out if your policy covers infertility health care and treatments. If it does, have the insurance representative send you written documentation of this coverage (this prevents any confusion should you receive infertility treatment and later be told you’re not covered) as well as any specific procedures you must follow. If your current health insurance policy doesn’t cover infertility health care and treatment, find out if you can purchase it from the company, or perhaps purchase an add-on to your existing policy.
If you’re confused about the amount of infertility health insurance coverage you have, or can’t seem to find any infertility health coverage, contact your state’s department of insurance. Infertility coverage amounts vary from state to state, as do policies about who does and does not have to provide it and procedures that must be followed when obtaining and using it.