| Any couple struggling with infertility will tell you that | | | | employers headquartered in mandate states. |
| finding resources to pay for In Vitro Fertilization (IVF) | | | | 2 - Know the tax laws |
| is a frustrating process. IVF refund programs provide | | | | Your health insurance may not cover many of your |
| an option that preserves resources for further | | | | procedures, but your un-reimbursed medical expenses |
| attempts, and/or adoption. There are three things | | | | are tax-deductible. If you are traveling, or employing |
| every couple should investigate before signing on to | | | | medical tourism to find lower cost clinics your travel |
| an IVF refund program: verify you have the right | | | | costs are deductible as well. Use the flexible spending |
| insurance coverage, know how tax laws help, and | | | | account from both spouses' employers. |
| consider supplemental insurance to offset costs, and | | | | 3 - Investigate Supplemental Insurance |
| create extra security. | | | | If you qualify medically for an IVF refund program, |
| IVF refund programs are designed to increase the | | | | your clinic is saying you have a 75% of delivering a |
| odds of taking home a baby, while helping you | | | | baby. You also have a 75% chance of being on the |
| manage costs. You typically get a discounted fee for | | | | hook for their entire fee, and then losing mom's |
| IVF multiple cycles, and if you don't take home a | | | | income during her maternity leave, and perhaps |
| baby from the hospital you are refunded 60% to | | | | longer if complications arise. You also have a greater |
| 70% of your fee. These programs are available to | | | | chance of conceiving and delivering multiples. Multiple |
| couples who meet qualifying medical criteria, and | | | | pregnancies run a greater risk of premature birth. |
| clinics report success rates of 75%. | | | | Short term disability insurance will replace mom's |
| 1 - Double check your health insurance coverage | | | | income during her maternity leave, plus during any |
| Refund programs are meant for couples whose | | | | time missed prior to delivery due to complications. |
| health insurance does not cover IVF. Before making a | | | | Hospital indemnity insurance will also pay benefits for |
| monetary commitment make sure you have done | | | | mom's normal labor and delivery, and an additional |
| the proper research on insurance coverage. Many | | | | amount should your child require extra care in the |
| couples miss an important point about health | | | | Neonatal Intensive Care Unit (NICU). Hospital |
| insurance coverage: you need to know the insurance | | | | indemnity may also pay a double or triple benefit |
| laws in the states where both spouses' employers | | | | should multiples be born prematurely, and require |
| are headquartered - not where you live. Many | | | | medical attention in the NICU. |
| couples live in non-mandated states, but work for | | | | |