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While infertility problems are becoming more prevalent these days, it is actually a solvable problem. The problem is that not a lot of money have what it takes to solve the problem – money.
Assisted reproductive technology, or ART, is a collection of medical interventions that can solve infertility problems for a price – a high one. In vitro fertilization is an effective ART method, but one session can cost the patient tens of thousands of dollars. One session doesn't even guarantee a success, and the couple may undergo more than one session. Medications that go along with IVF can cost about a thousand dollars per month, and a few other ART methods cost over four thousand dollars. This amount of money to have a baby isn't something a lot of couples are prepared to shell out. Infertility insurance is here for the couples in need of some assistance. Infertility insurance is affordable and almost every insurance company out there provides a certain level of coverage for it. These insurance providers can give you a lot of policy options that can cover your infertility treatment expenses. Among those covered are IVF, artificial insemination, and other ART methods. Laparoscopic surgery and other diagnostic procedures may also be covered. The least expensive with the highest amount of success rates are what insurance companies typically cover. They may also take care of about five cycles worth of treatments. Getting a surrogate is out of the question.
There are three faces of infertility insurance. The first is the standard health type. This insurance will cover specific fertility coverage in exchange for premiums. The second type is the refund program. In this insurance type, couples pay upfront then undergo the treatments. If treatments do not result to pregnancy, they are refunded about three-fourths of their money back. The third type of infertility insurance is financing. Couples loan money for their infertility treatment. If treatments do not result to pregnancy, they still pay the loaner back but not necessarily in full.
While there is infertility insurance, not everyone can qualify for it. There are criteria that couples need to pass before getting approved for a policy. For instance, having an existing insurance policy is a prerequisite. Also, the woman should not be aged forty-one or older. The infertility should also have lasted five years prior to insurance application. After being approved, the couple has to wait one year before they can use their insurance.
Shelling out cash to treat infertility is inevitable, but you have a choice between the tolerable monthly premiums or the thousands of dollars for insurance and no insurance, respectively. With insurance, however, you can take your savings and spend it for the better future of your baby. With infertility insurance, you get your baby, and you do not lose your savings.
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