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Our insurance doesn't pay for anything related to fertility, be it testing, IVF, or adoption. Fortunately for us, our daughters' hospital expenses were all covered by insurance (to the tune of $130,000) from the moment of their birth.
With medical expenses and insurance premiums skyrocketing every year, I don't agree that adoption should be covered by insurance. The medical expenses related to the baby's care after birth, yes...but not the other expenses associated with adoption.
I sat in a budget meeting yesterday and heard from our finance director (I work in county government) that medical insurance expenses increase approximately 10% per year. That's precisely why many insurance companies DON'T cover things like weight management, fertility, cosmetic procedures, etc. Can't say I blame 'em.
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