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Gerald Said:

What health insurance companies cover fertility treatments?

We Answered:

It is not about just the insurance company - it also depends on the state that you live in, where your employer is located etc . . . Currently 15 states in the US mandate some sort of fertility coverage. You can refer to the Resolve Website for info on the states that require coverage - unfortunately, it appears that Florida is not one of them . . .

http://www.resolve.org/site/PageServer?p…

Be warned even if your state required it - some businesses are headquarted in other states and offer their coverage through another state that may not offer benefits. If they are self-insured it is not covered, and you must meet their qualifications for infertility.

I also recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your coverage and to do an analysis for you. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me:

http://www.fertilitylifelines.com/

If you cannot find insurance coverage here are some other suggestions:

1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in.

2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers.

3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member.

4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . .

5) Move to one of the 15 states that do mandate coverage and find a job there . . . Massachusetts has wonderful coverage - my medications and procedures were all covered with just my co-pays. I had 6 unsuccessful IUI cycles - 3 with clomid and 3 with injectibles and finally a successful IVF cycle. I would have had coverage for up to 6 attempts at IVF.

Here is a great link for you:
http://www.nobabyonboard.com/options.htm…

Good luck!

Roger Said:

Would health insurance cover me?

We Answered:

health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.

Marlene Said:

How does the new health care reform bill being passed effect my existing health insurance?

We Answered:

It will stay the same for the time being. As soon as the insurance companies are mandated to accept pre-existing conditions the premium will drastically increase. This will happen sometime this year. Most of the rest of the bill, except for the new taxes, won't take effect until 2014 so little else will change until then.

Juan Said:

Do You Need Health Insurance and live in Florida?

We Answered:

healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.

Agnes Said:

Finding Health Insurance to Cover Pre-existing Medical Conditions?

We Answered:

healthplans.my-age.net - try this one. I have their health insurancs and as I know they can provide coverage with preexisting condition.

Dan Said:

Is Florida individual health insurance able to cover maternity ?

We Answered:

I recommend you this site where you can compare quotes so you can find the best option for you

http://Cheap-Health-Insurance-USA.info

Jeanne Said:

if i live in florida and have individul health insurance and want to move where IVF is covered by insurance?

We Answered:

healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.