Infertility Solutions Online – Insurance for Infertility Treatment
Although the medical community could have the knowledge and ability to be able to treat the causes of infertility, society on the other hand is not built on the same structure. Going along with the theory that those who have the greatest need will benefit, and reap the biggest reward, is not necessarily the case.
We should not discriminate, and societal benefits and the burdens they carry should be distributed fairly. In other words, anyone in need should be able to have their needs met regardless of what society thinks. This is often overlooked when it comes to insurance for infertility treatments. It is unfortunate that state laws and/or personal situations (age, marital status and sexual orientation) may determine how far their insurance will allow them to go in their quest for a biological child. These situations can also determine the lengths they are able to go even in adoption. Until things change, doctors are forced to make recommendations based on what the couples can afford financially through their insurance.
It is quite unfortunate that infertility is not seen as a medical condition that most insurance companies are willing to pay for. They do not view it as being a reimbursable expense. Treatment for infertility has been compared to having cosmetic surgery, looked at as extravagant and even frivolous. As of now only ten states in the United States have insurance mandates either to cover or to offer infertility treatments. Even if treatment is offered, and not covered, a lot of people will still not benefit because their employers may not have opted for a plan that covers infertility. In the rest of the states, most of the United States, there is no coverage at all. Even the states that are mandated, they will not provide coverage to those who are insured through certain programs such as Medicaid. Therefore many infertile individuals or couples, who would in fact make great parents, do not have the option to seek medical care because the financial cost, especially if it had to be assisted reproduction, can be prohibited.
Not having the ability to have access to these treatments, are considered by many to be unfair and less than equal. However, this can also raise the question of whether any couple/person-regardless of the situation, should be able to have access to any treatment if it is being paid for by someone else. The success rate of a woman over forty, using the treatment of in vitro, goes way down, after forty-five the success rate is just about zero. So, should an insurance company pay out close to ten thousand dollars when the odds of success are slim to none. Infertile couples face many challenges, and it can be a long daunting journey. Those who find the patience and the courage to ask questions are generally rewarded.
