Do you believe that health insurance should provide coverage for infertility treatments? Should it cover all treatments in all cases or limited coverage? According to the National Conference of State Legislatures:
Although advances in infertility treatment have helped thousands of couples become parents, the procedures are not without controversy. Such procedures can be quite expensive— according to RESOLVE on average each cycle of IVF costs $8,158 plus $3,000 to $5,000 for medications—and debate exists about whether insurance plans should cover them.
When it comes to insurance companies it’s usually about the bottom line. The concern with covering infertility is that there is a higher number of preterm births when IVF has been used. However times are changing. Due to the technological advances it is becoming more an more common for women to have only one embryo transferred during an IVF cylce thus lessening the chances of multiple births. Fewer multiple births means fewer preterm babies that need expensive treatments.
We have had premature babies. My husband and I are well aware of the costs associated with having a preemie. But now, according to the the CDC:
More than 61,000 babies were born in the United States in 2008 as a result of non-donor ART procedures. The Centers for Disease Control and Prevention estimate that ART accounts for slightly more than one percent of total U.S. births.
When you look at only one percent of births resulting from non-donor ART it puts into perspective the population this concerns. I hate o question of the insurance companies are keeping up with the current medical advances. IVF is no longer experimental and those in the field work extremely hard to mitigate the risk of multiple pregnancies as well as preterm births.
It is so unfortunate that the costs of assisted reproduction are so prohibitve for some couples that they are unable to pursue their dreams of having a child, the pursuit of happiness due to a medical condition that is not covered by insurance.
Kudos to those states that have recognized the financial burden of infertility and have mandated infertility be covered by health insurance. I assume it will only be a matter of time before the rest of then nation becomes educated on the advances in the medical field and the benefits to those who need treatment.
For more information and to see your state’s coverage policies visit:
National Conference of State Legislatures