#NIAW, Bloggers Unite Conference- Let's Break the Internet with Infertility Awareness!
#STARTASKING – How can we afford multiple fertility treatments?
When the first “test tube” baby was born in 1978, so was a new medical specialty. Unlike diseases that require treatment in order to maintain quality of life, or life itself, some argue that in vitro fertilization (IVF) is not a medical necessity; no one “needs” to have a child in order to live, right? But yet more and more people are accessing IVF to build their family:
In 1996, there were 64,681 IVF procedures reported to the CDC. In 2009, there were 146,244 – an increase of over 226%.
In 2009, 106,060 live-birth deliveries and infants born in the U.S. as a result of assisted reproductive technologies (ART), such as IVF.
So why don’t insurance companies cover IVF? The truth is, if an insurance company is “for profit” – like all companies – they need to be profitable in order to survive. They have a responsibility to their shareholders. Those profits are determined by the difference between what they collect in premiums and what they pay out in claims – taking into account sales, marketing, underwriting and administrative costs. Some insurance companies view IVF as a “high-risk” benefit and given the fact that many do not see it as a medical necessity, it is easy for them to make the case not to cover IVF.
Fortunately, there are a variety of alternatives and some actions you can follow to take control of the financing of your family building.
Assisted Reproduction Insurance can be offered through a supplemental insurance program filling the gap of traditional insurance coverage. Anyone can apply for supplemental insurance regardless of your employer or insurance plan. To find out about plans that might work for you, search Assisted Reproduction Insurance or IVF insurance on the Internet.
Ask your doctor if they know of any special programs to help you pay for the medication.
For those facing infertility, the dream of building a family is “essential.” Ask any couple with a happy, healthy family if their children are “essential” to their life. RESOLVE is fighting tirelessly to create awareness – and action – that will give men and women struggling with infertility the insurance coverage that will make their dream an affordable reality. Until such time, the patient community needs as many options as possible. The good news is that there are viable solutions already in place for patients, solutions that provide hope. And that is essential.