Once a couple has found out they cannot have a child naturally and go to an infertility clinic the thought of the price comes into play. One must remember it is not cheap to have this done and a lot of health insurance companies will not cover it, although some do. Such coverage for fertility clinics can include infertility treatment, releasing ovum and medicated cycles. When a couple needs more than those procedures, coverage for fertility clinics can run into thousands and thousands of dollars, not to mention the toll it all takes on the woman. There are a few states that have some kind of coverage in the couple’s insurance, but many are confused as to what is covered and what is not.
Each insurance policy is different and getting good advice and double checking your insurance policy is vital. When looking at the coverage for fertility clinics a couple must take into consideration everything involved. It does not just involve the procedures that take place but the doctor’s visits, lab works, and anything else that might be involved. Remember though there is a big chance that it won’t work and they have to start all over again. Checking with your health insurance should be the first decision when going the route of an infertility clinic. Coverage for infertility clinics might or might not be covered, so check that carefully.
A couple might have to add to their health insurance for this. A test or a procedure can be inexpensive or very expensive, depending on the code that is used. ivf centers in dubai Talk with the doctor as to how these are coded. When considering the coverage of infertility clinics try locating an advocate to help you determine the costs. There are a few states that have them, but it does depend on your insurance company. These people know the codes and the ‘lingo’ when it comes to these doctors and the clinic rules and regulations. If your health insurance does not have coverage of infertility clinics, there are other options such as paying on your credit cards or getting another mortgage on your home.
Please be sure to check with the billing department of the clinic you choose before doing this as some do not allow this type of payment. Some clinics will even finance the procedures for low monthly payments. Some will even offer what they call a commitment to a series of infertility treatment procedures for a set price. Usually this is for only three times and by chance if the pregnancy does not work after three times, a portion of the couples money will be refunded.