Sponsored By :: LifeSpring Insurance
Well, here we are, after five years of fertility treatments. Five years of sonograms, blood tests, surgeries, shots, medications, and appointments. To be specific, we tried 7 rounds of IUI (Intrauterine Insemination), 2 rounds of IVF (In Vitro Fertilization), and 6 surgeries (all for me). I tried Clomid, I tried Femara, I used estrogen, I took high-quality CoQ10, and DHEA only found online, and I used progesterone suppositories only found at compounding pharmacies, among many, many other meds specifically for IVF.
I can’t even remember how many times we drove downtown to get thousands of dollars of medications from a specialty pharmacy. I can’t even remember how many times my husband missed work or worked from home to drive me to appointments to learn how to properly insert a shot or just to be with me during surgery, or during a transfer, or just whenever I needed moral support. Our lives and our expenses revolved around fertility treatments these past few years.
What is frustrating is, there’s really no way we could have anticipated having all of this difficulty trying to have a second child after conceiving our daughter naturally, but there is a new hope for financial help in preparing for a family!
A New Hope
After years of research, LifeSpring Insurance Services of Austin has developed a policy, the first (and only) of its kind, that parents, grandparents, or any benevolent individuals can purchase for a child to help them start a family if they ever need infertility treatment. No one knows who will be affected but now we can plan ahead.
The Primary Infertility Assistance Policy includes a one-time, approximately $2,000 premium with a $50,000 deferred benefit. In other words, you can purchase a policy for your child through the age of 13 (before an infertility diagnosis) for about $2,000. Once your child is of age (18 through 35 years old), he or she and his or her partner (who must also be of age) can both use the $50,000 to help cover fertility treatments after a primary infertility diagnosis. So, coverage begins after both members of the couple reach the age of 18 and before the member being treated for a covered condition reaches the age of 36. On the 36th birthday of the member, the couple has 12 months to resolve any ongoing treatments.
A premium of about $2,000 is much more affordable than $50,000 out of pocket, which is approximately what we paid over the last 5 years, and the treatments that are covered include medication, testing, doctor visits, in vitro fertilization (IVF), anesthesia, egg/sperm/embryo storage and other related treatments with no deductibles or co-insurance. This means you can use this insurance in addition to your individual health policy. It fills the gaps.
Fertility treatment is tough, to say the (very, very) least, but I’d try it again if it meant we could possibly conceive. This is where one in eight couples finds themselves in their lifetime; wanting to start a family and willing to do anything to make it happen, including paying dearly for it. We are fortunate that we could cover it, but I wouldn’t want my child to have to take on that financial burden amidst the emotional stress of struggling to become a parent. It’s difficult enough to be “infertile;” not being able to afford treatment would just make it heart breaking.
This is where we can step in for our children and prepare for the worst, but pray for the best. With LifeSpring Insurance Services, we can do something to insure our children will have the help they need if they find themselves facing infertility. We help them prepare for college, we help them prepare for weddings, and now we can help them prepare for a family.