A couple struggling to conceive may not have infertility coverage through their insurance.
Infertility is a medical condition that impacts one out of every eight couples, according to RESOLVE, the National Infertility Organization. While many health conditions are treated through health insurance that is offered by an employer, infertility is often not included with the coverage. Some states mandate infertility coverage, and some employers and health plans offer the option of infertility coverage without the mandate.
Instructions
1. Contact the human resources department at your current employer to determine if infertility is covered by your insurance. The human resources department will provide you with the plan documents that state what aspects of infertility coverage may be available to you specific to your insurance.
2. Call your insurance company if you need further clarification on infertility coverage. Ask if assisted reproductive procedures and medications are covered.
3. Research other employers to determine whether they offer infertility coverage. The magazine "Conceive" puts out a list of the top companies that offer infertility and adoption coverage., The InterNational Council on Infertility Information Dissemination (INCIID) also maintains a list online of companies that offer infertility coverage.
4. Obtain the general phone number for a company that has infertility coverage by using a phone book or search engine.
5. Call an employer that is listed as having infertility coverage and ask to speak to their human resources department. When you speak to the human resources department, you can verify that infertility is covered and ask specific questions regarding the type of coverage that you need.
Tags: infertility coverage, human resources, human resources department, resources department, offer infertility, your insurance
