While Canada May Get IVF coverage, USA needs more oversight in the field.
anada’s different provinces are debating whether to fund IVF – quelle différence from the American Healthcare system. As people in the U.S. scramble to find an insurance plan that covers even the basic necessities – the middle class being particularly hit by high prices – other counties are improving their already comprehensive coverage to consider including IVF.
According to a study conducted in 2006 by RESOLVE: The National Infertility Association, just 20 percent of employer-sponsored health insurance plans offered coverage for fertility treatment. Now, with the launch of the Affordable Care Act (ACA) in 2014, colloquially known as Obamacare, fewer patients will be provided insurance coverage for fertility treatment.
Financial concerns are a common stress for people with infertility—fertility treatments can be costly! In fact, according to the American Society for Reproductive Medicine, the average cost for an IVF cycle is over $12,000. And it’s important to understand that, often times, more than one cycle is necessary.
At a press conference held yesterday, Barbara Collura, President & CEO, RESOLVE: The National Infertility Association, talked about the need for federal legislation that would increase access to infertility treatments.
October 1st marks the opening of the Health Insurance Marketplace, a vital element of the Affordable Care Act (ACA), which allows individuals, families, and even small businesses the opportunity to purchase health coverage. With the latest “Obamacare” overhaul of the insurance system, one might have assumed that our elected leaders considered adding provisions for their 7.3 million constituents who struggle with infertility.
As anyone who has begun the process of treatment for infertility knows, navigating the complicated world of insurance coverage can be overwhelming. Mandated versus non-mandated states, deductibles, percentage co-pays … the factors that decide whether or not your treatment will be covered – and if so, how much - are almost infinite. The biggest factor that people overlook, however, is their employer.
The Patient Protection and Affordable Care Act, better known as the Affordable Care Act (ACA) was first passed into law on March 23, 2010 but was upheld by the Supreme Court in June 2012 as the legislation’s constitutionality came into question.
Orange County residents are fortunate that California is one of 15 states mandated to cover infertility treatment. California Health and Safety Code, Section 1374.55, states that insurance plans must offer coverage for the diagnosis and treatment of infertility. Health insurance plans that cover hospital stays and medical and surgical expenses are required to offer insurance coverage. However, employers are not required to include the infertility coverage in the plans, or to provide the coverage.
Senator Patty Murray reintroduced a bill this week that would provide infertility treatment coverage to veterans and their spouses.
The bill, which was approved by the Senate (but not the House of Representatives) just last year, proposes that the Veterans Administration provide coverage to veterans who have suffered fertility-compromising injuries, including injuries to the reproductive organs, urinary tract, or spinal injury. This legislation says counseling and advanced treatments like in vitro fertilization (IVF) should be covered not only for the veterans, but their spouses as well. Surrogacy costs will also be covered under the bill.