INFERTILITY LINE

Dealing with infertility issues is hard enough for couples; dealing with associated issues such as insurance adds to the stress. Infertility health insurance coverage may be the last thing on a person's mind at this time but taking a few moments to understand what you are eligible for could help ease any impending financial burden later on.

Many health insurers it seem are still coming to terms with the fact infertility is an insurable condition and don't carry any coverage. If a claim is made and denied, there are several steps you could take before accepting the umpire's decision.

Recommended Action

- Check the state mandate and make sure that the state you live in has mandates for infertility insurance coverage.

- Be sure to read your insurance contract carefully. The majority of people get their insurance through their employer who in most cases provides just a summary to the employee. If this is your situation, ask for your insurance contract copy as soon as possible. Your employer is required by law to provide you with a copy.

- Check to see if fertility health insurance coverage is not mentioned. This is why it's important to read contracts carefully. It's important to make sure if such clauses are included.

- If a clause in the contract stipulates such exclusion, check to see if it excludes treatment only or diagnosis as well. Remember, the insurance company can only deny what they have stipulated in the contract and nothing else besides it.

Why Infertility Health Insurance Coverage May Have Been Denied In The Past

- Infertility is not an illness
- Treatment of infertility does not require medical treatment
- Treatment of infertility is experimental and it may never get any results thus being a never ending process.

It sounds like a large maze of legal jargon to get through and most people tend to retreat into their shells when faced with contracts. If you ever get to a stage of having to appeal a denied claim then it may be well worthwhile seeking legal counsel.

As mentioned earlier, dealing with infertility is tough enough let alone having to sought through legal issues at the same time. Hiring a lawyer, financially permitting, could be a smart move. You should have a right to some sort of infertility health insurance coverage so at least check out what level of legal help is available.

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