Normally, there is a short time frame in which appeals can be made after the charges are denied. Unfortunately, many times the benefits are still denied but trying to obtain coverage is sometimes worth the effort. Sometimes appeals can lead to partial or full coverage and appeals also help carriers understand what is involved with infertility treatment and the need for this benefit to be covered. There are many different types of health insurance and many variables within each type of plan. Most people are covered by group insurance through their employers.
Most employers offer a choice of several different plans to their employees.
Employees should investigate the benefits of each health plan being offered before selecting one. When an employer contracts with an insurance company for their employees, they are in a position to negotiate or purchase policies that provide specifically requested benefits, such as coverage for in vitro fertilization or other assisted reproductive techniques. Some employers offer more than one healthcare option, review your benefits carefully before choosing one. Also, inform your employer as to which benefits are important for you to have on your insurance policy. Many times insurance companies will pay in error leading the patient to believe that they have coverage, even though the benefit for fertility does not exist.