Should infertility treatments be covered by insurance?
Some of them? All of them? None?
Infertility Insurance
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RedGlitter
- Posts: 15777
- Joined: Thu Dec 22, 2005 3:51 am
Infertility Insurance
Things are different here Red but our national health service provides infertility treatments, the list is long so you have to wait years but if your prepared to wait its free to those unable to conceive.
Infertility Insurance
buttercup;636035 wrote: Things are different here Red but our national health service provides infertility treatments, the list is long so you have to wait years but if your prepared to wait its free to those unable to conceive.
If you are in the right postcode where the PCT will fund treatment they would help you, in my area you'd get 1 chance at IVF if you fall into the correct criteria, no other children, right age group etc.
If you are in the right postcode where the PCT will fund treatment they would help you, in my area you'd get 1 chance at IVF if you fall into the correct criteria, no other children, right age group etc.
I am nobody..nobody is perfect...therefore I must be Perfect!
Infertility Insurance
RedGlitter;635995 wrote: Should infertility treatments be covered by insurance?
Some of them? All of them? None?
None
Some of them? All of them? None?
None
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Bill Sikes
- Posts: 5515
- Joined: Fri Aug 20, 2004 2:21 am
Infertility Insurance
RedGlitter;635995 wrote: Should infertility treatments be covered by insurance?
Some of them? All of them? None?
I'm afraid that in the general case "over here" IMO the answer, for the NHS, should be "No.". However, if you're paying for insurance, the answer should surely be "Yes" - or, at any rate, "you get what you pay for, and consider the small print of insurance policies".
Some of them? All of them? None?
I'm afraid that in the general case "over here" IMO the answer, for the NHS, should be "No.". However, if you're paying for insurance, the answer should surely be "Yes" - or, at any rate, "you get what you pay for, and consider the small print of insurance policies".
Infertility Insurance
Bill Sikes;636067 wrote: I'm afraid that in the general case "over here" IMO the answer, for the NHS, should be "No.". However, if you're paying for insurance, the answer should surely be "Yes" - or, at any rate, "you get what you pay for, and consider the small print of insurance policies".
Health Insurance in the US is designed and priced to take care of the various costs of diffferent illnesses. Infirtility is not an illness, nor is sex change, breast or penile enhancement, or cosmetic surgery.
Health Insurance in the US is designed and priced to take care of the various costs of diffferent illnesses. Infirtility is not an illness, nor is sex change, breast or penile enhancement, or cosmetic surgery.
Infertility Insurance
Lon;636077 wrote: Health Insurance in the US is designed and priced to take care of the various costs of diffferent illnesses. Infirtility is not an illness, nor is sex change, breast or penile enhancement, or cosmetic surgery.
What about cosmetic surgery in the form of a breast reduction?
What about cosmetic surgery in the form of a breast reduction?
I am nobody..nobody is perfect...therefore I must be Perfect!
Infertility Insurance
Lon;636077 wrote: Health Insurance in the US is designed and priced to take care of the various costs of diffferent illnesses. Infirtility is not an illness, nor is sex change, breast or penile enhancement, or cosmetic surgery.
Surely all those you mentioned could be classed as having an effect on your mental health? Maybe we're just too soft over here.
Surely all those you mentioned could be classed as having an effect on your mental health? Maybe we're just too soft over here.
Infertility Insurance
SuzyB;636080 wrote: What about cosmetic surgery in the form of a breast reduction?
Depends on the Insurance Carrier and plan of coverage, but usually the answer is yes. Extra large breasts can create other health problems, back etc.
Depends on the Insurance Carrier and plan of coverage, but usually the answer is yes. Extra large breasts can create other health problems, back etc.
Infertility Insurance
Lon;636077 wrote: Health Insurance in the US is designed and priced to take care of the various costs of diffferent illnesses. Infirtility is not an illness, nor is sex change, breast or penile enhancement, or cosmetic surgery.
Infertility is generally an illness or the result of an illness. It bares no relation to the other conditions you mention.
Infertility is generally an illness or the result of an illness. It bares no relation to the other conditions you mention.
Infertility Insurance
Bryn Mawr;637087 wrote: Infertility is generally an illness or the result of an illness. It bares no relation to the other conditions you mention.
The real problem with covering certain things like infirtility is cost. Those of you in the UK with an entirely different health care system than the U.S. can't appreciate how expensive health insurance is for the average American. Even if costs are partially paid by one's employer it's very expensive. Even for many seniors over the age of 65, the govermental insurance is not adequate nor does it cover everything. The monthly cost for some of these seniors that choose to purchase supplemental insurance can run from $200 per month to over $1,000 per month. I am 72 years of age and pay $325 per month for my supplemental coverage, and that is a bargain. Glad I can afford it, many cannot.
The real problem with covering certain things like infirtility is cost. Those of you in the UK with an entirely different health care system than the U.S. can't appreciate how expensive health insurance is for the average American. Even if costs are partially paid by one's employer it's very expensive. Even for many seniors over the age of 65, the govermental insurance is not adequate nor does it cover everything. The monthly cost for some of these seniors that choose to purchase supplemental insurance can run from $200 per month to over $1,000 per month. I am 72 years of age and pay $325 per month for my supplemental coverage, and that is a bargain. Glad I can afford it, many cannot.
Infertility Insurance
Lon;637095 wrote: The real problem with covering certain things like infirtility is cost. Those of you in the UK with an entirely different health care system than the U.S. can't appreciate how expensive health insurance is for the average American. Even if costs are partially paid by one's employer it's very expensive. Even for many seniors over the age of 65, the govermental insurance is not adequate nor does it cover everything. The monthly cost for some of these seniors that choose to purchase supplemental insurance can run from $200 per month to over $1,000 per month. I am 72 years of age and pay $325 per month for my supplemental coverage, and that is a bargain. Glad I can afford it, many cannot.
The cost of treatment does not change whether a condition is cosmetic or an illness. If you want to say infertility should not be treated because it costs too much to treat then so be it but do not say it should not be treated because it's no different to penis enlargement.
The cost of treatment does not change whether a condition is cosmetic or an illness. If you want to say infertility should not be treated because it costs too much to treat then so be it but do not say it should not be treated because it's no different to penis enlargement.
Infertility Insurance
Bryn Mawr;637098 wrote: The cost of treatment does not change whether a condition is cosmetic or an illness. If you want to say infertility should not be treated because it costs too much to treat then so be it but do not say it should not be treated because it's no different to penis enlargement.
I think you mis understand me. I am not, nor did I say that the infirtility should not be covered because of cost. I am telling you the way it is, not the way I would like it. No argument.
I think you mis understand me. I am not, nor did I say that the infirtility should not be covered because of cost. I am telling you the way it is, not the way I would like it. No argument.
Infertility Insurance
Lon;636077 wrote: Health Insurance in the US is designed and priced to take care of the various costs of diffferent illnesses. Infirtility is not an illness, nor is sex change, breast or penile enhancement, or cosmetic surgery.
Lon;637095 wrote: The real problem with covering certain things like infirtility is cost. Those of you in the UK with an entirely different health care system than the U.S. can't appreciate how expensive health insurance is for the average American. Even if costs are partially paid by one's employer it's very expensive. Even for many seniors over the age of 65, the govermental insurance is not adequate nor does it cover everything. The monthly cost for some of these seniors that choose to purchase supplemental insurance can run from $200 per month to over $1,000 per month. I am 72 years of age and pay $325 per month for my supplemental coverage, and that is a bargain. Glad I can afford it, many cannot.
Lon;637100 wrote: I think you mis understand me. I am not, nor did I say that the infirtility should not be covered because of cost. I am telling you the way it is, not the way I would like it. No argument.
I must be misunderstanding you - I understood you to say that it should not be treated under insurance because it is not an illness. When I queried this you then started saying the real problen was cost. You now say that it's not cost.
If it is not cost then I do not understand the meaning of your second post and I certainly disagree with your first.
Lon;637095 wrote: The real problem with covering certain things like infirtility is cost. Those of you in the UK with an entirely different health care system than the U.S. can't appreciate how expensive health insurance is for the average American. Even if costs are partially paid by one's employer it's very expensive. Even for many seniors over the age of 65, the govermental insurance is not adequate nor does it cover everything. The monthly cost for some of these seniors that choose to purchase supplemental insurance can run from $200 per month to over $1,000 per month. I am 72 years of age and pay $325 per month for my supplemental coverage, and that is a bargain. Glad I can afford it, many cannot.
Lon;637100 wrote: I think you mis understand me. I am not, nor did I say that the infirtility should not be covered because of cost. I am telling you the way it is, not the way I would like it. No argument.
I must be misunderstanding you - I understood you to say that it should not be treated under insurance because it is not an illness. When I queried this you then started saying the real problen was cost. You now say that it's not cost.
If it is not cost then I do not understand the meaning of your second post and I certainly disagree with your first.
Infertility Insurance
Bryn Mawr;637107 wrote: I must be misunderstanding you - I understood you to say that it should not be treated under insurance because it is not an illness. When I queried this you then started saying the real problen was cost. You now say that it's not cost.
If it is not cost then I do not understand the meaning of your second post and I certainly disagree with your first.
I am telling you what the U.S. Insurance Industry says-----please take it up with them.
If it is not cost then I do not understand the meaning of your second post and I certainly disagree with your first.
I am telling you what the U.S. Insurance Industry says-----please take it up with them.