Navigating Health Insurance Selection for IVF Benefits

Study Overview
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Brief Summary
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The purpose of this study is to evaluate the effectiveness of an educational intervention on health insurance literacy and utilization of in vitro fertilization (IVF) insurance benefits. The investigators hypothesize that the intervention is acceptable and satisfactory and will result in increased health insurance literacy and utilization of IVF benefits.

Official Title
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Navigating Health Insurance Selection for in Vitro Fertilization (IVF) Benefits

Conditions
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Infertility

Intervention / Treatment
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* Behavioral: Health insurance educational guide


Participation Criteria
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Eligibility Criteria
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Inclusion Criteria: Employees eligible for health insurance coverage Reproductive aged (18 to 50 years) Intention to grow their family in the next year Primary language English or Spanish Exclusion Criteria: None

Ages Eligible for Study
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Minimum Age: 18 Years
Maximum Age: 50 Years

Sexes Eligible for Study
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All

Accepts Healthy Volunteers
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Accepts Healthy Volunteers

Study Plan
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How is the study designed?
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Design Details

Primary Purpose: Supportive Care
Allocation: Randomized
Intervention Model: Parallel Assignment
Interventional Model Description: Randomized controlled trial
Masking: None (Open Label)


Arms and Interventions

| Participant Group/Arm | Intervention/Treatment |
| --- | --- |
| Experimental: Health insurance educational guide<br>Eligible individuals will receive a health insurance educational guide to support choosing among 5 health plans for IVF coverage. They will also receive receive a one-page guide with a link to the Open Enrollment website that is available to all employees during the open enrollment period. | Behavioral: Health insurance educational guide<br>* The educational guide includes 4 content areas: 1) Definition of key insurance terms; 2) premiums, deductibles across the five 2023 health plans; 3) Summary of how premiums and deductibles can affect out of pocket costs; 4) Guide to finding in-network IVF providers and facilities.<br>|
| No Intervention: Usual care<br>Eligible individuals will receive a one-page guide with a link to the Open Enrollment website that is available to all employees during the open enrollment period. | |

What is the study measuring?
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Primary Outcome Measures

| Outcome Measure | Measure Description | Time Frame |
| --- | --- | --- |
| Health Insurance Literacy Measure | 9 items from the Health Insurance Literacy Measure will assess participants' confidence using their health insurance and being proactive with their health insurance for IVF services. Items will be scored from 0 (not at all confident) to 3 (very confident). Higher scores indicate better health insurance literacy. | 10 months after receipt of the intervention | 

Secondary Outcome Measures

| Outcome Measure | Measure Description | Time Frame |
| --- | --- | --- |
| Health Insurance Literacy Measure | 6 items from the Health Insurance Literacy Measure will assess participants' likelihood of comparing health insurance plans. Items will be scored from 0 (not at all confident) to 3 (very confident). Higher scores indicate better health insurance literacy. | 1 month after receipt of the intervention | 
| Utilization of IVF services | Participants will self-report utilization of IVF services. | 10 months after receipt of the intervention | 
| Insurance coverage | Participants will self-report insurance coverage related to IVF services. | 10 months after receipt of the intervention | 
| Out of pocket expenses | Participants will self-report out-of-pocket expenses related to IVF services. | 10 months after receipt of the intervention | 
| Financial hardship | The 15-item Economic Strain and Resilience in Cancer tool will be used as a self-report subjective measure of financial hardship related to infertility and IVF services. Items are scored from 0 (least hardship) to 10 (most severe hardship). Higher scores indicate worse financial hardship. | 10 months after receipt of the intervention | 

 Terms related to the study
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Keywords Provided by Centre Hospitalier Valida
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infertility, IVF, health insurance