Sunday, June 13, 2010

And yet, another reason to hate insurance companies

DH got an e-mail from the new school, explaining enrolling procedures, registration fees, yada yada. AND it mentioned the student health insurance plan that's included in the registration fees, unless we waive it.

So being a "student health insurance" I figured it's gotta be pretty limited on coverage, on what is considered a medical necessity.  Of course infertility won't be covered.

Looking through the list of benefits:

Elective abortion: covered.   Well yeah, insurance companies don't want to pay for another human being.  No surprise there.

Transgender surgery: covered.  What? Really?  Oh are CA insurance companies really going to be accepting of people's differences?  Surely the infertile won't be overshadowed now- where does it mention infertility?

Oh here it is.....under "Exclusions & Limitations".
Reproductive/Infertility services including but not limited to: family planning; fertility 
tests; infertility (male or female), including any services or supplies rendered for the 
purpose or with the intent of inducing conception; premarital examinations; impotence, 
organic or otherwise; reversal of sterilization procedures


  1. I'm sorry. That's just not cool.

  2. Man, that sucks. All the initial tests they make you run before even determining your treatment plan are a big expense.

  3. It freakin sucks. I know. I'm sorry.

    Not that it really matter so much for us these days, but a majority of the individual insurance plans in California also exclude maternity benefits.

    Just found your site - We are also azoo, NOA. Hoping for IVF later this year. (or maybe some sort of miracle in the meantime.)

    good luck!