Wednesday, May 6, 2009

Why Fertility Treatments Are Not Like Double D Breasts

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Yesterday my husband and I discussed the financial impact of this cycle. I am out of work, after all. We looked at the numbers, did the math, and if this cycle is not successful, we will have to put things on hold for a while until I get a job and start padding the bank account again.

I have seen posted on numerous blogs the huge financial toll IF treatments have taken (as though the emotional toll weren't enough). Each of us uses whatever resources we have, whether it includes bank loans, savings accounts, family inheritances, second mortgages or credit cards. We struggle to find the money for each cycle.

Insurance often covers so little. This is such a huge issue and it strikes me as being so wrong! I believe the position I take is one of reasonableness. I don't think insurance should have to pay for someone like the Oct.omom who already had 6 kids and now has 8 more. It shouldn't be like a shopping spree for babies. But I firmly believe that insurance should pay, when medically indicated, for an adult to have a child. I would include as medically indicated things like male factor problems, endo, ttc unsuccessfully for a year, same sex partners, and age 35 or greater. They could cap payment based on the number of live births to prevent the Oct.omom problem.

But for crying out loud, having a child is simply not the same as other non-covered elective procedures -- such as surgery to increase breast size from an A cup to a DD cup. Having a family should not be put on par with cosmetic surgery, despite the fact that being being childless, much like having A cup breasts, is not a life threatening condition. That said, when someone is disfigured in an accident, even if the disfigurement isn't life-threatening, insurance usually pays to make the person look as normal as possible, including paying for plastic surgery.

Well, for those of us desperately wanting a child, we simply are trying to attain what we feel is a normal life! A family life. I would love to see a federal mandate requiring insurance companies to pay for fertility treatments.

I'm not holding my breath though. Self-induced asphyxia is probably not covered either.
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7 comments:

C Lo said...

That makes a lot of sense. If someone has a MEDICAL PROBLEM which happens to impact their fertility, it should be covered to fix it just like any other medical problem.

stillhopeful said...

You know how much I agree with you!!!

And to further add to your case, I would argue that not having a child IS potentially a life threatening condition. One of my best friends, also 40 y/o, was just diagnosed with stage 3 ovarian cancer. She has a 20-50% chance of living another FIVE YEARS!!! She will be considered lucky, from a medical perspective, if she makes it to age 45. She is completely healthy, no family history, no risk factors, except one. She never had any children.

She is now facing surgery, aggressive chemo, hair loss, etc., all of which will cost the insurance company FAR MORE than infertility treatments.

looking4#3 said...

You know I agree wholeheartedly!!! The sinful part is I happen to live in a state that has laws on the books REQUIRING the NJ insurance companies to cover IF. However, the company finds a loophole and we are not covered. Imagine my frustration!!!??? Also, if we lived in NY (where I was born and raised), I could apply for a state grant that would cover the IF INFULL!! The only requirement is making under $100,000 a year!! If over $100,000--they cover on a sliding scale!!

cindyhoo2 said...

I agree with you. In fact, I would give either one of my breasts (nearing DD) to get IF treatments paid for.

looking4#3 said...

LOVED your comment in my blog!!! My FIL is a chemical engineer with some high profile government job!! Might have the same one for all we know---haha!!!! Did ya read the other MIL stories...I think the one with the St. Patty's Day invite is the best though!!??

googlea said...

The financial burden is tremendous. There is some really good information out there however to help you manage the financial aspects of infertility. Check out "Budgeting for Infertility" written by Evelina Sterling and Angie Best-Boss.. you can find info on the book and other articles written by Evelina on www.fertilityauthority.com
She has a great advice on this topic.

K said...

Amen to everything you said.