We’ve all heard an awful lot of talk about health care reform lately. I think some of the premises have merit, while others seem like they’re just throwing money at a problem without a strategic plan or full bank account.
One thing I haven’t heard discussed is ensuring that fertility treatments are covered by private or public health care. I think that some states like Illinois and California allow for automatic coverage of fertility-related costs, and a very small number of private insurers do, but they are few and far between.
I have had pretty decent health insurance, in general, and since I started working 14 years ago, but not one of them would cover fertility treatments. Why is that? How come they’ll cover rehab for alcohol or drug problems, but not my fertility drugs?
Or, they’ll cover therapy sessions and medications if you’re depressed because you can’t get pregnant, but won’t cover the fertility treatments, that, if they worked, would cure that depression.
It makes no sense to me.
I had a horseback riding accident this summer and fractured my pelvis. My ER visit, MRI and X-rays, physical therapy sessions, and even my crutches were covered, but not my broken uterus.
Just this week, I got a hospital bill for my last IVF transfer, which was almost two years ago. It’s dated 11/07/07 – why am I just now getting this? And, it’s for $2,530! It says on the invoices “Our records indicate that this service is not covered by insurance.” How long does it take to determine this? Apparently, almost two years.
I really appreciate the hospital system adding insult to my injury, by sending me a gigantic bill almost two years after the fact. Since it didn’t work anyway, I feel like I should send them a note that says that I won’t be paying since they didn’t come through on their end of the deal.
Just wait ‘til I’m president, infertiles, you will be taken care of.
And, Happy Anniversary to my parents! 42 years on 09-09-09!