Affording the Costs of Infertility Treatments

What is infertility?

Infertility primarily refers to the biological inability of a man or a woman to contribute to conception. Infertility may also refer to the state of a woman who is unable to carry a pregnancy to full term. *

What causes infertility?

There are many causes of infertility. It could be genetic, or the effect of certain diseases such as diabetes mellitus, thyroid disorders, adrenal diseases. All of these can be present in both the man and the woman.

One cause of infertility specific in women is maternal age and quality of eggs. Women of advanced maternal age usually produce eggs that are of low quality for fertilization. All is not lost for infertile couples, however. Advances in medical science has provided couples with various treatments for infertility.

Treatment for infertility

Procedures such IVF (in vitro fertilization), Sperm Injection or ICSI (Intracyplasmic Sperm Injection) are now available for infertile couples who would like to have their own children. However, these procedures do not come cheap.

How couples can afford infertility treatments?

Health-care companies

Fortunately, some health-care companies offer financing solutions that are fair to both sides and easy to apply for. For example, Credit Medical. Their financing assistance covers everything from IVF, GIFT (Gamete Intra-Fallopian Transfer), ICSI (Intracyplasmic Sperm Injection), PZD (Partial Zonal Dissection), SUZI (Sub-zonal Insemination) and ZIFT (Zygote Intra-fallopian transfer).

Check state policies on insurance coverage as well as your insurance plan.

In some states, like Illinois for example, state law requires insurance companies and health-maintenance organizations provide coverage for infertility treatments to employee groups of more than 25. Learn about your state laws and policies and see if it is required of insurance companies in your state to provide coverage for infertility treatments. Also, read through your insurance plan and see if there is a provision for coverage infertility treatments.

Consider a company loan

Apart from flexible-spending account, which allow employees to set a side a part of their pre-taxed income for special designated uses (often, medical expenses that are not covered by insurance), Companies usually offer loans to their employees to be paid for through salary deduction. Inquire about this in your company and see if you can avail of a loan to pay for your infertility treatment.

Inquire about unsuccessful IVF treatment refunds

Basically, a money back program. Couples pay for the full price for a given number of treatments. If by the end of the last attempt, the treatment is still unsuccessfu, then couples get their money back, either full or partial This money back scheme helps couples avoid financial loss. Couples will still have the resources to pursue other options such as adoption.