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Insurance Question?

huco30huco30
in Trouble TTC
My insurance does not cover infertiltity treatments at all. I would like to get an insurance infertility policy on the side if that is possible. For example, I have a cancer policy through AFLAC. Basically, my question is could I get an infertility policy through any insurance company? I am so lost with all of this insurance crap. Thanks in advance for your help
Diagnosed with Endometriosis 05/05
O5/05 Lap #1 for diagnosis
12/08 Lap #2 for pain management
Married on October 3rd, 2009
Me:30 DH: 35
TTC since 05/10
Clomid 25mg since 08/10
06/11 IUI #1 ended with a m/c
08/11 IUI #2 BFN
09/11 IUI #3 BFN
12/11 Lap #3 for IF
04/12-06/12 Letrezole, Trigger shot, TI
07/12 IUI #4 BFN
"When you feel like you cannot walk another step, that's when you try to run another mile." Photobucket Photobucket Photobucket Photobucket Photobucket Photobucket Photobucket Photobucket
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Re: Insurance Question?

  • pantsarellapantsarella member

    I've never heard of just an infertility policy. The problem is this: the theory behind insurance is basically a betting game- you pay a company to cover your costs IN CASE something happens, but most of the time it won't. So you pay AFLAC to cover your cancer bills IN CASE you get cancer, but the chances probably aren't great that you'll get it. Most people would not be seeking IF coverage until they are diagnosed with IF. So there's really no gain for an insurance company to just offer that policy.

    You could try to find a provider who offers a shared risk program, where you pay up front for 3 cycles or so and they provide you treatment until it's successful or refund you if it's not and you choose to stop after 3. That's probably your best bet if it's an option. 

    image


    Me:27, DH:28 - DX: MFI, varicocele repair Nov 2011 
    Post-Op SA: Count- 15 million, Motility- 75%, Morphology- 3% 
    IVF with ICSI - Stimming 10/4/12 - 10/13/12, Lupron Trigger
    ER 10/18/12, 12 eggs retrieved, 8 mature, 5 fertilized
    5 day transfer 10/23/12, 3 frosties
    Beta #1 11/5/12: 453, Beta #2 11/7/12: 1,013, DD born 7/19/13
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  • eponine7682eponine7682 member
    imagepantsarella:

    I've never heard of just an infertility policy. The problem is this: the theory behind insurance is basically a betting game- you pay a company to cover your costs IN CASE something happens, but most of the time it won't. So you pay AFLAC to cover your cancer bills IN CASE you get cancer, but the chances probably aren't great that you'll get it. Most people would not be seeking IF coverage until they are diagnosed with IF. So there's really no gain for an insurance company to just offer that policy.

    You could try to find a provider who offers a shared risk program, where you pay up front for 3 cycles or so and they provide you treatment until it's successful or refund you if it's not and you choose to stop after 3. That's probably your best bet if it's an option. 

    This exactly. Best of luck!

    AlternaTickers - Cool, free Web tickers
    TTC since March/April 2010
    DX: MFI - less than 1 million sperm, 26% motility
    DH put on anastrozole to increase counts
    June/July 2011 100 mg Clomid + TS IUI#1 & IUI 2 - BFN :-(
    Forced break due to DH getting spinal surgery in August 2011
    IVF - January 2012: BFN
    FET in April 2012 - BFP at 6dp5dt! Beta #1 at 9dp5dt: 82.5, Beta #2 at 12dp5dt: 352 Beta #3 at 19dp5dt: 6000, saw heartbeat and one little bean at 5W6D!
    After nearly 3 years of waiting our LO was born December 18th 2012!
    image
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  • emmypantsemmypants
    Aetna does. Sorry this isn't a better link, I'm on my phone. Unfortunately, Idaho isn't covered so double screwed :/ Good luck!! https://www.google.com/m?q=aetna+infertility+program
    TTC Babypants with low motility and low morphology since 6/2010.

    Trials & Adventures in Baby Making

    Stuck in counting limbo.

    SAIF always welcome!!

    Fortune from UnderwaterRhymes: A new outlook brightens your image and brings new friends.

    imageimage

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