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Originally Posted by Linny
Fran, we do consider ourselves very fortunate, because we can easily remember years ago when we were paying something like $500. per month for a deductible of 5k.
Please don't take offense, as I didn't mean to ask this 'general question' (as I stated in the OP) as a means to complain.
I guess I just have a real problem with insurance companies paying huge amounts to cover IVF treatments and surgeries to 'correct infertility'. (And thus, one reason for higher premiums).
Sincerely,
Linny
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Infertility is about more than the inability to conceive a child. It's ultimately about a familie's emotional development. For a lot of couples it's the end of their stability in marriage. I think there's been a court case that proved all of this and got some companies to pay up. That said; I'd love to know the name of your HMO!!!
Adoption is so subjective in fees that an insurance co. would probably have to put a 'sum' figure on it rather than 'coverage'. My adoption cost $100 total. My friends who've done private adoptions paid about $40k (and wound up with a child who had the same exposure issues and medical history). Ther'e's no logic or reason in adoption, lots and lots of emotion.