When someone is faced with infertility or has barriers to building a family, often added to the emotional and physical burdens is a financial burden of paying for the out of pocket costs for medical treatments.
Use this handy checklist to contact your HR department to request insurance coverage for fertility treatments.
What is public vs. private insurance? What is a mandate to cover vs. a mandate to offer? And what is ERISA? Understand the ins and outs of health insurance coverage.
Recent studies indicate that including comprehensive infertility coverage in insurance benefits may actually reduce costs and improve outcomes.
According to a recent survey, 65% of employers who provide infertility coverage said they do so because they were asked by an employee. Write a letter to your employer and request insurance coverage for infertility treatment.
Employers are finding that providing access to evidence-based infertility care has benefits in addition to employee satisfaction. For many employers, providing infertility coverage not only helps create a family-friendly image for the public, but helps attract top talent from employers that do not provide such coverage. The recent announcements of technology companies like Facebook and Apple competing for employees using impressive benefits packages are cases in point.
A 2016 online consumer survey of more than 700 employees needing IVF found that those with employer-provided infertility/IVF health insurance had higher satisfaction with their employer along a variety of important measures.
Currently only 16 states require insurance coverage for infertiltiy treatment, and laws vary widely. Learn which states offer coverage, and what is included and what is excluded.
Learn how you can get insurance coverage like Katie did. And check out some companies that already offer infertility benefits to their employees.