Infertility Insurance

When a couple finds out that they are infertile, there are several options still available to them to fulfill their dreams of holding a precious newborn baby in their arms. Very often the only thing that stands in their way of becoming parents is money.

There are several different fertility treatments available to couples but the costs are very expensive. In-vitro fertilization is a very effective option but just one in-vitro treatment can run into the tens of thousands of dollars. Most likely it will take more then one treatment to become pregnant. Also some fertility medications can cost around $1,000 a month and some assisted reproductive technology procedures cost over $4,000.

Many couples can not afford to finance fertility treatments on their own. Luckily there is supplemental infertility insurance for couples that will give them the treatments they need without going bankrupt. It usually is very affordable and you can usually get it from your existing insurance company although each policy is very different so the couple really needs to look around before they buy into one.

For a monthly premium, insurance providers will supply you with a plan that will cover a range of fertility treatments. These treatments usually include diagnostic fertility tests, artificial insemination, and other types of assisted reproductive technology. They may also cover diagnostic test procedures, including laparoscopic surgery.

Normally, infertility insurance plans cover the most inexpensive treatment that will most likely work for the couple. They most likely will also only cover treatments for a certain number of cycles, usually between three and five. But, the use of donor eggs and donor sperm is not normally covered by infertility insurance.
There are three different types of infertility insurance.

First there is standard health insurance. This type of insurance requires that you pay a monthly premium in exchange for specific fertility coverage. There are also refund programs. Refund programs require you to pay upfront for your fertility treatments. If the couple does not have a baby then between 70% and 100% of the money is paid back to them. The other type of infertility insurance is financing. The couple can take out a loan to cover the infertility procedures. If they do not have a baby, these loans do not need to be paid back in full.

Unfortunately, not every couple is able to get infertility insurance. It varies from insurer to insurer but there are certain qualifications that you have to meet before being approved for infertility insurance. These qualifications usually require the couple to already hold an existing insurance policy. They may also have to be under the age of forty. They may also have to be struggling with infertility problems for one to five years. The couple then must hold on to the policy usually for a year before they can use it.

Although there are a lot of variables for the couple to look into and there are certain requirements that need to be met, overall getting infertility insurance for a couple who has been dealing with infertility is a wonderful idea. After the treatments are successful, the couple is going to need money in order to provide for their new born. With infertility insurance, couples are able to become pregnant without breaking the bank.

Infertility Statistics

Couples who are going through infertility problems often feel alone in their struggle.  They see other people with their babies and wonder why it’s not them.  They forget that there are other people in the world that are going through the same things they are going through.

There are about 7.3 million women in this country alone between the ages of 15 and 44 who have an impaired ability to have children.  Many of these women don’t even know that they have a problem until they try to start a family

Some women have gotten pregnant with issues like polycystic ovarian syndrome and the diagnosis didn’t come until after they had kids.  But, most often this is not the case.  There are many other couples who have gone through fertility treatments.  Often when seeing the happy couples with their babies, infertile couples do not contemplate whether that parent had to receive some sort of infertility treatment in order to conceive.

In 2002 11.9% or 7.3 million women between the ages of 15 and 44 years of age have received some sort of infertility services.  6.1% have received professional advice.  5.5% of women have received some sort of medical help to prevent a miscarriage.  4.8% have undergone a fertility test.  3.8% of women have received ovulation drugs.  And 1.1% of women have received artificial insemination.  11.8% of women between the ages of 15 and 44 years of age have impaired fecundity which means they not only have problems getting pregnant, they have problems carrying a baby to term.

It is commonly known that as women age their ability to become pregnant decreases with the loss of their eggs.  In fact, the percent of childless women who have ever received any infertility service between the ages of 35 and 39 years of age is 15.2%.  Childless women who have received any infertility service between the ages of 30 and 34 years of ages was 17.3% and women between the ages of 15 and 29 was only 2.9%.

The percent of married childless women between the ages of 15 and 44 years of age are infertile by these ages.  27.4% of women are infertile by the ages of 40 and 44.  22.6% of women are infertile by 35 and 39 years of age.  16.9% of women are infertile by the ages of 30 and 34. And 11% of married women are infertile by the ages of 15 and 29.

But just because there are problems getting or maintaining a pregnancy, that does not mean that it is impossible.  At age 31, the percentage of live births after undergoing in vitro fertilization (IVF) which is a very affective fertility treatment was about 38%.  By age 39, the percentage of live births was around 22%.   But after age 43, the percentage of live births drops to less than 10%.  Women have also used an egg donor.

Even though IVF success was less than 10% at age 40 using the mother’s own eggs, women who used an egg donor from a much younger women had a success rate of about 45%.  It is an even better rate than women using their own eggs in their early 30s.

Signs of Infertility

Many women deal with some sort of infertility.  Many women show symptoms of infertility and other women do not know there is a problem until they start trying to conceive.  With the many different types of infertility, the signs and symptoms range from women to women or can even affect the man in the relationship.

A woman should see their doctor if they have not become pregnant even though they are trying.  “Trying” means one to two years of unprotected intercourse on an average of three times a week.  The couple should see first their primary care physician or their regular OBGYN in order to diagnose a fertility problem.  They may then be referred to a specialist. Among the many possible signs of infertility, the most common for women is an irregular menstrual cycle.

Although an irregular menstrual cycle may be one of the signs of infertility, it could also point to a lot of things and does not necessarily mean that the woman is infertile.  Another sign of infertility can be a weight problem in regards to a women being to thin or obese.  Some women who are too thin and bordering on emaciation can have a problem conceiving because they lack the proper nutrients.

On the other hand, women who are obese sometimes suffer from hormonal problems, which in turn may affect their reproductive system.  Substance and alcohol abuse can also lead to infertility.  Although these are causes of infertility rather then signs of infertility because they can make a woman unable to conceive.  Women who frequently use illegal drugs and other substances can harm their bodies affecting the way it works.  They are likely candidates of being unable to produce children because substances and alcohol abuse can and may discourage the proper growth and conception of fetuses.

Signs of infertility can also be apparent in the man.  Anatomic or physical problems may be signs of infertility in men. Undescended testicles can be a factor of infertility.  Sometimes a sign of infertility in men is due to an outside cause.  Men who wear tight underwear or jeans may have an inability to produce viable sperm for conception.  Exposure to heat on their scrotum and gonads can also lead to an inability to produce children.

Some of the signs of infertility in women and men are the same.  Both men and women can have an inability to produce offspring through weight problems like obesity or due to substance abuse.  In the same way a women’s body can malfunction in a way that may not hold a pregnancy, a man might be affected because they may not be able to produce the right amount or form of sperm to conceive.

If a couple has been trying to get pregnant with no results, rather then jumping to the conclusion of infertility, the couple should take steps to make sure they are having intercourse when the woman is ovulating.  The woman can track her basal body temperature or use an ovulation kit to see when she is ovulating.  Often times, the couple is just not having intercourse around the right time of the month.

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Signs of Infertility

Have you ever considered what the primary signs of infertility in a human being are? We should be aware of the indications of infertility and that too, as early as possible. Signs of infertility can become apparent in several ways, including instinctive and cultural factors, irregular behavior of individuals while having a sexual union, malnutrition, a depressed mental condition, endocrinology factors, and the current health condition of persons. The overall general lifestyle, emotional quotients, financial issues as well as time represent pointers to infertility as well. In this context, it is important to distinguish between infertility and impotency. The factors mentioned above can result in infertility in a man or a lady, in case any of the former stops working normally. Read the rest of this entry

Infertility Treatment

Both men and women suffer from infertility caused by various reasons. However, it’s important for both the sex to undergo treatment for this complicated issue. Various known and unknown factors cause infertility in women. These include diseases like endometriosis, diminished ovarian reserve, ovulation disorders, and low progesterone level. Low sperm count and low sperm motility, STD, injury or chronic diseases, sperm blockage and ageing are some of the reasons men for, which suffer. Read the rest of this entry