Insurance and IVF

Does your family have IVF coverage through insurance?


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All I will say is that if you think $15k, $30k, $50k is expensive to MAKE them... whoo doggie wait til you have to clothe, feed, and educate the little SOBs!!

(jk, love my kids, and just became a first time grandpa on monday!)
Oh trust me. I am rn paying for a toddler.

I just am factoring.... let's call it a significant start up cost on top of that.
 
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If they weren't, they wouldn't exist, and we'd be paying out of pocket. Of course, health care was a charitable endeavor before insurance existed (and as a result, was more affordable).
Welcome to supporting a single payer system where the profiteering is removed from the equation.

Jokes aside. Everything in the US is for profit these days. Including the hospitals.
 
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I will preface these replies with I’m in favor of IVF and don’t have any issues with insurance covering it, I just think it’s something people should be able to opt out of on their insurance.



That’s a condition that alters their ability to live. They aren’t making a choice to have cancer or not have cancer, whereas having a life of celibacy guarantees that you won’t have a kid.


Okay, my insurance goes up for every kid that we had. My insurance premiums paid for each person. If I was on my wife’s plan, they are just family so whether you have one or 8 kids, it’s the same price. They just believe the law of averages works out I’m guessing. I think you are doing some mental gymnastics here to say the premiums are paid since you pay more for that kid, and you qualified your statement with successful.

Many many many procedures are covered that are about quality of life and not ability to live. Erectile dysfunction. Joint replacements.
 
Experience with my parents is Medicare is just hoping you die.

If you have a bodily system that is not functioning properly, it should be covered.

Before there was a federal law preventing it insurance booted you from the hospital postpartum ASAP. After my giant baby, they booted me after a day and I wound up back in ICU with severe hemorrhaging and an infection.

Remember when pregnancy was a pre existing condition?
 
My plan allows up to two pregnancy “smart cycles” and an automatic 3rd if the first two fail. Then 4th and beyond on a case by case basis but that eligibility document is too long to really read for a forum post.

And as part of that is coverage for the following treatments and procedures:

• Two consultations per calendar year
• Diagnostic testing
• Transvaginal ultrasounds
• Intrauterine insemination (also known as artificial insemination)
• In vitro fertilization (IVF)
• Gamete intra-fallopian transplant (GIFT)
• Intracytoplasmic sperm injection (ICSI)
• Pre-implantation genetic screening (PGS)
• Pre-implantation genetic diagnosis (PGD)
• Embryo assessment and transfer
• Services used to preserve fertility such as cryopreservation of eggs, sperm and/or embryos. This includes oncofertility preservation.
• Up to four years of storage (egg, embryo, sperm) with annual renewal and eligibility verification
• Purchase of donor tissue (sperm, eggs)

It makes sense to include for big tech because the people they pull in are more likely to utilize.
 
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Quite the opposite, actually
I'm assuming you are talking about single payer and not the fact that hospitals are for profit.

So here's the rub. If you can explain to me how you dismantle an aggressive profiteering system without removing the profit incentive from privately owned business. I'm all ears.
 
Many many many procedures are covered that are about quality of life and not ability to live. Erectile dysfunction. Joint replacements.
I understand those things. Someone could be in a wheelchair and such. I just see a child as a choice. Remember, women without children are the happiest people.
 
I understand those things. Someone could be in a wheelchair and such. I just see a child as a choice. Remember, women without children are the happiest people.
Isn't everything a choice? If I choose to play football and break my leg, are you saying insurance shouldn't cover it?
 
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I'm assuming you are talking about single payer and not the fact that hospitals are for profit.

So here's the rub. If you can explain to me how you dismantle an aggressive profiteering system without removing the profit incentive from privately owned business. I'm all ears.
100% free market
 
Remember when pregnancy was a pre existing condition?
Painfully. Hated my job and found a new one. Between the interview and the job offer, found out I was pregnant. Had to pay COBRA and keep the old insurance for the pregnancy. I told them I was pregnant when they offered and they at least didn’t rescind, I think that was already covered by employment discrimination laws though. And I had to go back to work four weeks after delivery. Can’t go to daycare that early.
 
100% free market
RIght... so we did that once upon a time. That's that time where insurance companies could drop you for any reason or label your illness/Healthcare needs as preexisting conditions and refuse to cover them.
So. Beyond a 3 word cop out answer. What would you specifically recommend?

Keep in mind. Drug prices in America are significantly higher than and single payer system because single payer systems negotiate down the costs for everyone in a country instead of leaving it to private companies with limited numbers and obscure incentive to actually negotiate down drug prices.
 
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This thread is pretty informative. Not a topic I had given a lot of thought to as an elder male. I'd never really thought "Well, what does that actually cost?"

This is a long ways from when my mother took the long ago discontinued DES. Discontinued because of the effects to the mother and the children but without it I am probably not here nor is my sister.

Just taking a quick look and families with the same federal employees BC/BS that I have would seem to have coverage.

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