The other day I had a conversation with my sister, M, and it got me thinking: why do most insurance companies have inferior or non-existent infertility coverage?
M was commenting on the fact that she had been treated for an eating disorder 3 times at an intensive outpatient facility. It cost the insurance company thousands of dollars a day. I believe there was a 30 day limit. This meant it cost the insurance company a minimum of 50K for each stint - a grand total of at least 150K! Meanwhile, my company's insurance plan covers $0 for infertility and E's plan (luckily) has a 30K lifetime max. Honestly, I do not see the equity in this.
A while back, I remember a friend said, well of course insurance companies do not cover IVF, so few people need it. Oh thanks - that makes me feel much better. I get it - a lot of people do not use this service - but I do not use services that other people use on a regular basis (chiropractor, physical therapist, psychiatrist, etc) and I am still paying for it. Is that fair?
wish insurance companies were more flexible. Like, okay - you never
used our services for anything other than preventive care, we will throw
you a bone and let you use the money you are paying for insurance for
something you actually NEED. Hmmm, imagine that....interesting idea!
Glad I thought of it.