Insurance and Infertility

New York is one of only 15 states that require insurance companies to cover some infertility treatments. In New York, insurance covers most fertility tests and procedures. This means one less stressor for an already very upsetting situation. 

An estimated 6.7 million couples in the United States have difficulty conceiving each year. Approximately 12% to 15% of all couples are unable to conceive after one year of trying, and 10% after two years. Many couples will begin to seek medical intervention when conception does not occur naturally. This adds another level of stress to the trying situation since fertility treatments can be very expensive. 

But you still need to complete paperwork, which can be stressful and feel intrusive to your privacy. You may also find that some procedures are not covered. For instance, if your employer self-insures, the employer is exempt from the requirements of the law. Additionally, New York law provides up to three IVF cycles (fresh embryo transfer or frozen embryo transfer) to patients in the large group insurance market (100 or more employees). However, it excludes coverage for IVF in the individual and small group markets, GIFT, and ZIFT. It also does not cover more than three IVF cycles, reversal of elective sterilizations, or experimental medical or surgical procedures.

All the medical appointments, treatment decisions, stress, and strain can seem overwhelming. But you don’t have to work through it on your own; I can support you through the ups and downs. One of my specialties is infertility counseling, supporting both couples and individuals. 

Being diagnosed with infertility triggers an array of emotional responses that can disrupt a person’s self-image, relationships, and view of the future. Financial strain adds to the tension in relationships and can further intensify the emotional spiral.

If you find you need some emotional support and strategies to help you, as an individual or as a couple, navigate the medical treatments, insurance hassles, and emotional storm, contact me. I can give you develop a toolbox of resources to help you get through this time and come out stronger on the other side. 

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