Insurance companies don't make these decisions--policy owners do. So it is the employer who offers an insurance plan, for example, who determines what services they are willing to pay for from a "menu" that the insurance company offers.
BUT increasing numbers of employers DO offer adoption assistance grants (there's lots of ammunition available to help you lobby for one from your employer). And the federal government offers tax breaks for adopters, but not for those who give birth.
Pat Johnston
Infertility and Adoption Educator, amom to three
