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Most insurance companies that I know of don't cover infertility, or very very little. Mine covered nothing with infertility. I personally think this is bogus. They cover ED problems with men, is this life threatening? I personally do not feel that, just because a operation isn't life threatening, it shoudn't be covered. I mean, by that route there are a LOT of surgeries that could not be covered, for example (ONLY example) hip replacement- not life threatening, just woudln't be able to walk, so really a quality of life procedure, just as having a child would be. Again, just my opinion. I do think there should be restrictions on the procedures (fertility for over a certain number of years or reason you would not be able to concieve, maximum number of tries, etc).
Having a child, IMO, is an extremely HUGE part of the quality of life. So, in that case, adoption really IS covered (foster care) if you choose that route....
Just my opinion...
Natalie
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