Insurance and Infertility

When looking at the different insurance options you have to look at what is most important for you and your husband goals to getting pregnant. The nice thing about HMOs is the price factor. Usually, you pay a set price for services offered. The down side to HMOs is the fact you don’t really get a choice in the doctor you see, the time frame in which you get to see a doctor and anytime you need to see a specialist you have to jump through the hoops to get the results you are looking for.

With PPOs typically they are more expensive; you have out of pocket deductibles that you have to meet before insurance will cover your medical expenses. Then it only covers a percentage of the medical expenses. The nice thing about PPOs is that you get to choose your doctors, you have more control over the quickness of the process and I feel like there is a lot more flexibility with PPOs.

I know that when looking at your insurance, you may not have an option to choose between a PPO and a HMO but knowing how to work whatever insurance you have will make the world of infertility that much more manageable.