We are sorry that there isn’t much if anything in the way of
Insurance Coverage for Infertility.
Blue Shield Group Infertility Benefits 2 page pdf 2017
|Additional Blue Shield Infertility Benefits for Your HSA Plan|
|Additional Blue Shield Infertility Benefits for Your PPO Plan|
Check our introduction page for more info.
You might try doing a Bronze Plan with a high deductible and lower premiums, click here for FREE Quotes in CA – Nationwide, then using an HSA Plan (Health Savings Account) or for Small Employers Section 105 HRA and writing off the infertility expenses that are not covered? Learn More ⇒ (IRS Publication 502 Medical & Dental Expenses)
Medication RX Assistance? New Life Agency?
How about Life Insurance for the Parents – send your new baby to college no matter what!
Other pages in Infertility Section
May 15, 2011
- Gamete Intrafallopian Transfer (GIFT)
- In Vitro Fertilization (IVF), Intracyctoplasmic Sperm Injection (ICSI), and Zygote Intrafallopian Transfer (ZIFT) are excluded
- The actual IVF act its self is not covered but other procedures that are involved are covered. There are so many moving parts to IVF that it can be very confusing.
Health Net We don’t cover that at all. We only cover treatment for infertility including medication and medical procedures.AetnaIVF is not covered on any of our California Small Group Plans.We do the underlying testing, for the causes. We have a limited benefit on some of our HMO/PPO Plans. It 50% of a lifetime maximum of benefit of $2,000 and doesn’t cover any of the drugs. Most carriers will test for the underlying causes ,but have limited benefits out side of the testing,
Availability INFORMAL – NON Binding! Survey of Individual Plans on Infertility Coverage
|Kaiser||No further treatment|
|Aetna||No further treatment|
|Anthem||Might write if no attempts or treatment at fertilityhave been made in the last 2 years.Probably OK, if Post Menopausal, tubal ligation, hysterectomy|
|Blue Shield||Might write if no attempts or treatment at fertility have been made in the last 2 years.||2010|
|Golden Rule – PacifiCare||Unfortunately there are no plans for either company that would cover it. Sorry||3 Mar 2008|
|sd fertility.com/||There are no individual plans that we know of that offers infertility benefits. The most common way a person gets insurance coverage is through their employer “group plan”.|
|Even if we do find an Individual Carrier that covers Infertility – there may be a problem getting the policy issued in the first place for underwriting reasons and 2nd a waiting period for pre -x. Try completing a “Pre Application.”
If all else fails, your employer might consider “self funding” the benefits with an HSA Plan (Health Savings Account) or HRA Plan (Health Reimbursement Account)
(HMO SAVER – Group) covers 50% with no maximum on services, and up to $1,500.00 for drugs.
blue cross ca.com/
The PPO 30 has a $2,000.00 lifetime maximum on all covered services.
.blue cross ca.com/
Kaiser Small Group – Infertility Coverage
Note – No footnotes on these plans!
$15 Co Pay Disclosure Form
Conception by artificial means
Except for artificial insemination covered under “Infertility Services” in the “Benefits and Cost Sharing” section, all other Services related to conception by artificial means, such as ovum transplants, gamete intrafallopian transfer (GIFT), semen and eggs (and Services related to their procurement and storage), in vitro fertilization (IVF), and zygote intrafallopian transfer (ZIFT) are not covered.
Coverage for newborn thru surrogate pregnancy. New Life Agency.com/