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Infertility insurance-How to determine your coverage?

Infertility insurance-How to determine your coverage?
Is infertility treatment covered in your health plan? If you do need such treatment, this is the first step for you to take before launching into the treatment proper. Learn to ask proper question to the insurance agent about infertility coverage and know about the cost.

Infertility and pregnancy

Infertility and pregnancy

# 1: Ask questions. First things first, speak to your agent about your insurance coverage and find out the benefits in it for you. You need to know if your health insurance policy covers you for infertility treatments. If yes, find out to what extent it covers you i.e. are you covered for co-pays, the limits on deductibles and any pre-qualification needs you’re your hospital or clinic may ask for.
# 2: Get all your information in writing: If you have all your necessary information in writing, you can think about what which way you want to proceed. Ask your human resources officer to give you a copy of your insurance document.
# 3: Speak to the insurance company directly: Use the insurance company’s toll free number to get to know about the benefits of your insurance policy. Once again, ask for this in writing.
# 4: Look into what your insurance company can offer you: Now that you know just what your health policy contains, ask your insurance company how they can help you in your special circumstances. Find out to what extent you are liable for infertility insurance benefits, including medication. Perhaps you would like to ask your insurer these questions. Remember to ask for the answers to these in writing.

  • Does my insurance policy cover me for diagnostic tests for infertility coverage?
  • Does my infertility treatment coverage include the cost of an intrauterine insemination (IUI)?
  • If I have to undergo in vitro fertilization (IVF), will I be covered under my health policy?
  • Am I also covered for all or any of these: sperm injection, frozen embryo transfer, cryopreservation, etc.
  • If it does, does my policy expect me to get prior authorization before I go in for these procedures?
# 5: Ask if your plan covers infertility and sexual dysfunction: There are some plans that cover you to a certain set dollar level, and so may not cover the gamut of services relevant to your problem of infertility. So, once again, ask if your plan also covers sexual dysfunction and infertility.
# 6: Check out the laws pertaining to your state: The National Infertility Association, 2009, states that there are 15 states in the US whose laws lay down that health insurance companies include infertility procedures in their policies. You can check out the status of your state online by logging on to asrm.org or call the insurance commissioner in your city.

How to finance your infertility treatment: Let us consider the worst case scenario where you are considered ineligible for infertility treatment either because you are older than 40 years, or you don’t have a health policy older than 12 months or that you’ve been suffering with this problem for more than five years.

In such a situation, you will have to bear your own treatment costs. Perhaps you have an insurance plan that does not cover you for diagnosis or treatment for infertility. However, there are ways of financing your own infertility treatment. Here are some of them:

  • Once you know that you might have trouble conceiving, start saving for the treatment costs.
  • Become a member of a clinical trial or research study. Here, you become part of the experiments researchers conduct in trying to make couples conceive. Any treatment you receive here is free, in fact, they might even pay you to participate in the trial.
  • Apply for an Inter-National Council for Infertility Information Dissemination (INCIIDD) IVF scholarship: These scholarships are for couples who need medical aid but are not financially ready for it.
  • Move to a state that covers your costs: If your state does not cover you for infertility treatment, move to any of the 15 American states that mandatorily covers you for it.
  • Take a loan especially for infertility treatment: Certain financial lenders offer loans for infertility treatment. Prominent among them are the ARC Fertility Program and the IntegraMed America Fertility Network.
  • Buy your medication online: If you buy your medicines online, you stand to gain some of the savings that pharma companies pass on to their online customers. This saving will help reduce your overall costs. However, you will have to pay for the medical care and medicines at the prescribed rates.
  • Ask your pharma company if you can get your medicines for free or at a lower price? By being a part of a program, this can be possible because such programs are based on your financial situation.
  • It’s cheaper in Europe: If in vitro fertilization is your best bet, go to Europe where the treatment costs are much lower.
By Mithi Chinoy

Buy and Learn The Empty Picture Frame: An Inconceivable Journey Through Infertility

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The Empty Picture Frame: An Inconceivable Journey Through Infertility
 
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Customer Reviews

Essential for 'Fertiles' & 'Nonfertiles' alike
 
Review Date: July 4, 2007
Reviewer: Canadian Midwife,
I read Jenna's book in two hours last night, I couldn't put it down. It made me feel nauseous, terrified, relieved, validated, and as she so eloquently put it, just simply "sad for myself". It rolled me back through time, over the past seven bumpy years of my marriage that have been oh so similar to Jenna and Mike's story.

The most important thing that this book has done for me, and I hope for all those who come across it, is to FINALLY UNDERSTAND that infertility is a disease.

A disease. I woke up with that word in my mind this morning. I get it. It is not my fault, not my husband's, not the millions of things that I have wondered about over the years. Karma? No. A lack of positive thinking? No. Not enough organic food? No.

Exquistely painful and misunderstood? Yes.

Infertility is a disease and "The Empty Picture Frame" brings that fact public. This book will help to remove the stigma and taboo that are associated with infertility in North America and for that I am grateful.

Must Read...
 
Review Date: June 13, 2007
Reviewer: Alison, CA, USA
This book is beautifully written, and it represents an honest account of what it feels like to endure the heartache of infertility and loss. This disease affects every aspect of your life, and it leaves you feeling isolated. In reading this book, you will realize that you are not alone. And even better, you can hand this book over to your friends and family to help them understand.

As someone who has dealt with infertility and loss, I can honestly say that this book is very touching. While my journey has been different, some of the author's experiences were word for word, the same as mine. She addresses the physical and emotional toll of infertility in a way that no doctor can.

If you know someone who is struggling with infertility, I would highly recommend reading this book. There are some great suggestions on how you can offer support.

Jenna and Mike: Thank you for sharing your story. I admire your courage. May your dreams of a family come true...
Wow...such a moving story! A great infertility resource!
 
Review Date: January 29, 2008
Reviewer: K. Bailey,
I first saw Jenna on the Oprah Winfrey show. I immediately felt connected to her because of her struggle with infertility. I could totally understand her pain. She was the first person I had seen that I honestly felt I could relate to.

So when I saw that she had written a book about her story, I just had to buy it. This book is an amazing resource for infertility! It gives the full picture of what it's like to go through all the stages of infertility, from before "trying to conceive" all the way through many IVF attempts. Jenna has given the reader an inside glimpse into the life of an infertile.

The way she tells her story (along with her husband's two cents every so often) is so compelling. It really was hard to put down.

This book is not only a great resource to someone personally struggling with infertility but also to those who who know of someone else who is struggling with it.

After I finished the book I gave it to my mom so she could get a glimpse of what I was going through. And most importantly, so she could read the helpful hints Jenna talks about at the end of the book as to how to best support someone going through infertility. These suggestions are so dead on! I wish I would've given it to her years ago.

Overall, I just can't recommend this book enough!
An absolute must read...
 
Review Date: June 20, 2007
Reviewer: just us, Chicago, IL
I, like many others that walk the infertility path, have read at least a dozen books on the topic. Not until now have I read something so close to my own private thoughts, feelings and insecurities. Between websites and TV I knew Jenna's full story would touch my heart, but I never expected to walk away feeling such a connection to someone I had never met. This book touched topics that many of us can't or don't talk about.

When I reached the end of this book, I immediately began to cry. Tears, not only for Jenna and Mike, but for the realization that there were others out there who felt the same range of emotions that we do. For the first time, in a long time, we were not alone.

Thank you Jenna and Mike, for sharing your personal, private journey with us. And thank you for writing ours. You've done a tremendous job.
It's About Time
 
Review Date: May 17, 2007
Reviewer: LA woman,
Jenna and Mike are incredibly brave for coming out of the shadows of infertility to tell their story. Together they've done a wonderful job of expressing their painful journey in a language that can be appreciated by those struggling with infertility and those who are trying to understand the pain felt through this process. I wish my doctor had given my family members this book to read when I was first diagnosed. They could have better understood what we were dealing with and maybe we could have avoided all of those cliche comments that have plagued me for the last few years of our struggle. After reading this book, I went to their website and read other women's stories. Jenna and Mike provide an invaluable education through their personal experience.
Help for myself and my family!
 
Review Date: April 13, 2008
Reviewer: Gary J. Shine, Gainesville, Florida United States
Struggling with infertility is challenging all by itself without the added emotional struggles that must be faced. In my personal situation I've found that not many people, even family members, can relate to or understand what I've been going through. Even a relative whose gone through IVF doesn't understand. I found that Jenna wrote this book not just for me, but for those who love me. Both myself and my husband breezed through the book and feel as if the stories are about us. My mom has also read it and developed a greater understanding of what we're going through. Next we'll have the family members who can't understand why we don't attend children's birthday parties or baby showers read it. Jenna gives such wonderful advice on all of these situations that make us feel so irrational...and reminds us we're not! This should be a MUST read for anyone who is just beginning their infertility journey or has been on the journey much too long.
The best book on infertility I've read
 
Review Date: December 23, 2007
Reviewer: Heidi B. Delvenne, Texas
I received this book just before my 2nd IVF treatment and read it in 2 days. Finally someone articulates what this experience is really like. I feel like Jenna is my best friend, my sister, even though she doesn't know me. We have a connection on a level that sometimes it feels like nobody else gets (but she doesn't even know it). If you are suffering from infertility this is a must read. No matter what stage you are in, you will know that you are not alone and there is a courageous person out there putting all her raw feelings down on paper to give us the courage to carry on. Her husband Mike adds a man's perspective as well. Pass this on to anyone who even knows someone who is going through infertility so they can gain a better understanding of what it is truly like to suffer from this ailment. If you buy only book on infertility make this the one.
A must read! This book will reach out and make you feel!!!!
 
Review Date: May 24, 2007
Reviewer: AJP, Boston area, MA
If you have struggled with infertility, or know someone who is, this book is a must read!
This is not another typical book about the science of IVF or TTC...it is a memoir of a woman, Jenna with actual journal entries and contributions from her husband Mike. Their true story chronicles their journey to become parents...their hope, joy, loss, fears, and courage faced to get there. They did an amazing job of putting to paper all the raw emotions and suffering an infertile goes through. The last time I felt so many emotions at once I was facing my own unsuccessful IVF cycles. Anyone reading this book who has undergone any ART will surely relate. You will feel Jenna's pain and suffering no matter if you have been down this road or not. She is witty and sarcastic at times, but she is honest and soul baring as well. I found myself laughing out loud at parts...it sounds sad, but anyone who can relate to the big needle knows all the feelings that come with it.
I loved that Jenna has also written this with advice for those who know someone going through this journey. It's perfect for all the people in your life who'd like to support you but don't know how, or those who don't know what not to say. I am going to pass this book around to my family and friends...I only wish they could have read it sooner in my own journey.
Great job Jenna!
A must-read for all infertiles as well as their friends and families
 
Review Date: September 11, 2007
Reviewer: D. Morris, NJ
I, like Jenna, am an IVF veteran who has endured many years of heartache and pain. I've read many books on the topic of infertility....humorous books, how-to books, scientific and technical books, etc, but I have never read a book on the topic that has touched my heart as Jenna's has. This book was so honest and raw with emotion...the real emotions that infertiles feel. Jenna did not try to sugarcoat infertility in any way, and I respect that and found it refreshing. Although I have never met Jenna personally, through her book, I feel like I know her well. Afterall, we are both veterans of the same war.

I've also passed this book on to some of my family members. Although they have been very supportive throughout this process, I really think they will be able to empathize even better after reading a fellow infertile's innermost thoughts and feelings on the daily struggles that make life so difficult for those on this journey.

I would recommend this book to anyone dealing with infertility. Whether you're a vet or a newbie to the journey, you will absolutely find this book helpful and you will realize that you're not alone.
Thank you Jenna for writing this book!
 
Review Date: December 20, 2008
Reviewer: Tanya McKee, California

I cannot recommend this book enough. The day I received it from Amazon, I stayed up until 3 am to finish it in one sitting. I cried my eyes out the entire time. I plan on sharing it with my mom next, in hopes that we can learn to relate to one another. The author displayed incredible courage and strength in giving infertility a voice. I couldn't agree more that infertility is less about the statistics, and more about the person. This is a must read for anyone struggling with infertility and the family and friends who struggle to understand.
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