What to Know About Fertility Treatment?
Seeking help for fertility issues can be nerve-wracking and intimidating and of course, there are misconceptions and theories afloat about fertility treatments. Here’s a list of 4 important facts you should be aware of when considering fertility treatment. These facts are least spoken about, yet worth your consideration before you get started with the treatment.
Do you have an insurance policy to cover all your medical expenses? it’s time to let you know that a lot of service providers don’t cover expenses related to infertility treatments and procedures. However, you can avail some level of coverage if you live in those states that have mandated fertility insurance. In recent times, employees are offered some level of infertility coverage in most fortune 500 companies. It is ideal to speak to your health insurance provider and clarify any queries in this regard.
A Lifetime Infertility Services Maximum benefit is the maximum amount that your health insurance company can pay for the infertility-related services. It is inclusive of samplings, blood work, ultrasounds, medications, and office visits, however, the policy won’t cover the expenses once the maximum limit is reached. Generally, INR 50,000 to INR 65,000 is the maximum amount offered by some insurance companies. Although, it is rare not to have a lifetime maximum for infertility. So, it is better to read your documents carefully and consult someone from your insurance company. They will help you understand your policy in a better way and you will also get to know how your insurance maximum works.
Infertility drugs are prohibitively expensive.
Insurance policies can cover some drugs, but most drugs are not covered. It’s good to shop for the respective medications required all by yourself. Most pharmacies would have the needed medications at an affordable price. Hence it is more reliable to purchase from a pharmacy than cover it up in the insurance policy. It is ideal to go for a pharmacy that functions 24×7 and has an overnight delivery option because you don’t want to run out of drugs in the middle of the treatment.
Not all fertility clinics are created equal. The success rates vary with the clinic offering the treatment. Fertility treatments are expensive and time-consuming owing to the complexity of the process. The cost of treatments varies with clinics. It is good to do basic research and select a clinic that suits you the best.