Some of us are lucky enough to live in states with mandates concerning infertility and treatment. Some of us are lucky enough to have insurance that covers infertility treatment, regardless of a state mandate.
Some of us are lucky enough to have health insurance at all.
Many people in this country do not have health insurance and you might be surprised at who they are. They are new college graduates, they are people who make minimum wage, they are people with pre-existing health problems, they are people who have lost their jobs.
Paying for infertility treatment, whether through a state mandate, health insurance or out of pocket is something that not all people can afford. This probably reads as though I am stating the incredibly, perfectly, unbelievable obvious. Not everyone can afford infertility treatment.
What if you couldn't? What if I couldn't? What if it were completely out of reach to afford infertility treatment? No state mandate, no health insurance, no credit card to max out, no parents or family members to borrow from, no bank loans?
Infertility makes us feel so desperate in so many ways. When help is out of reach because of lack of financial resources or lack of insurance coverage, it's a whole different level of desperation and sense of failure.
If you are one of those people, please respond to this blog. If you don't want your comments posted, just let me know and I will not post them.
If you are one of those people who has coverage, health insurance or some other financial means to pay for infertility treatment, you have reason to feel some sense of gratitude, even in the midst of the struggles with infertility.
Does this turn infertility treatment into a possibility only for some people? Only for people with enough money or a certain type of job? Should affordable infertility treatment be available to everyone? Should it be up to an employer whether they offer infertility coverage?
These are questions that are being asked every day and will continue to be asked as health reform moves forward.
Ultimately, the question also becomes whether affordable infertility treatment is elitist.
What do you think?
Let's talk about the cost of infertility diagnosis and treatment. If you live in Connecticut, it's possible that the Connecticut Insurance Mandate for Infertility Diagnosis and Treatment as described below will cover you. The financial aspects of infertility treatment can seem overwhelming, at least at first glance. Below are several ways that you can look into to see that the costs of infertility treatment are not insurmountable.
Connecticut Insurance Mandate for Infertility Diagnosis and Treatment
The State of Connecticut passed a bill in 2005 which passed a breakthrough legislation that requires most insurance companies to cover infertility diagnosis and treatment. This change took place on October 1, 2005, and all women under the age of 40 are eligible.
With this change, Connecticut health insurance covers:
This coverage is only available to individuals who have maintained coverage under their policy for at least 12 months. In addition, the law does not apply to employees in self-insured plans. Employers may also decline to cover this benefit if the diagnosis and treatment of infertility conflicts with the organization's religious or moral beliefs.
For full details about the Connecticut Insurance Mandate click here.
Learn more about insurance options for infertility treatment in Connecticut.
Read about RMA's fertility treatment financing program.
Reproductive Medicine Associates of Connecticut has created the Opportunity Plan to make sure that for those of you in the category of self-pay patients, the costs are more manageable. According to our patients who have used this program, it's made a huge difference. The difference between being able to afford treatment and simply not being able to afford it.
After reading all the different options through the State Mandate, your insurance plan, and what RMACT offers, you will probably have questions. Our financial team is experienced, knowledgeable and well equipped to answer your questions. They are also compassionate and aware that you, as a patient trying to conceive, may be in a vulnerable place emotionally and they offer support and help above and beyond their role as our financial team. Kimone and Natesha head up our financial team and truly guide our financial department to treat you, our patients, as gently as possible.
Tomorrow I will be writing on the other, not so hidden costs of infertility treatment. For today, we want to make sure that you understand the possibilities of paying for your treatment. If you are out there and feel that you can't afford treatment, it's possible, even probable, that you can.
Give us a call; we'll help you figure it out.
Let's talk about New Year's resolutions. ‘Tis the season, after the season, that the gyms, yoga studios and personal trainers are busiest. Many of us set goals, very often goals that we have set before, very often goals that have proved elusive in the past.
So what's the point to a New Year's resolution? Is there one?
Actually, I think, yes. It's not unreasonable when something's important to you to keep working at it. We all know that problems and challenges are not always resolved the first time we make an attempt to solve them. I know that I personally quit smoking 17 times before I quit the last time 26 years ago. That would mean that 16 times, I did not achieve my goal. I think it was worth setting and resetting that goal until I found a way to make it work.
That's what I really, really like about fertility treatment these days. Insurance coverage, state mandates and our Opportunity Plan make the possibilities of continuing in treatment affordable, even if the first attempt doesn't work. Having infertility problems is enough of a struggle without having to beg, borrow or steal to figure out how to pay. Not to mention those of us who would simply not be able to be in treatment at all. We all realize that infertility costs still create a burden, but not nearly to the degree that they used to and now there are so many options to help.
So should your New Year's resolution be to have a baby, I applaud you. And I have to say, right time, right place, in terms of having the financial piece be a little more manageable. We're here to help make that goal come true, even if it doesn't happen the first time.
Happy first day of 2010, the year that we work that goal. Stay tuned right here for ideas, support and educational information on making that goal of a baby come true.