A frequent question asked by couples seeking a pregnancy with Assisted Reproduction A frequent question asked by couples seeking a pregnancy with covers the process. If you have insurance for major medical expenses, some coverages can support you in case you plan a pregnancy. Here we tell you more details on the subject.
Does health insurance covers treatments by Assisted Reproduction?
In Mexico, there are currently no insurers that help cover the cost of a specific Assisted Reproduction procedure, however, there are policies that have a greater scope in terms of coverage. Some benefits are that in medical expenses insurance, there is a coverage called "maternity aid", which refers to an amount that the insurer gives the mother when she has her baby; the amount of the fee depends on the policy, and it can range from 10,000 to 60,000 pesos.
It is important to consider that some of the conditions established by insurers to cover cats are to have at least 10 months with the contracted policy. It does not matter if the baby was fertilized naturally or by some assisted reproduction treatment, although it is important to consult the terms and conditions of the insurance you have contracted since other coverages are also known that can support you during the pregnancy process if you have complications or emergencies. The only thing that does not apply to any insurer is surrogate motherhood.
If I plan to carry out studies or cryopreserve , can I use my insurance policy?
In these cases, it is very difficult for a major medical expense policy to cover you, since insurers provide their support during an illness or condition until you manage to recover your health. This means that freezing your eggs or sperm does not apply to the insurance policy.
The same happens with the studies since it does not apply to any insurer because most medical insurance is focused on emergencies and pregnancy is considered a natural state of the woman, not a disease.
Recommendations
When selecting insurance, it is essential to be very well informed to know the coverage to which you can have access, since not all insurers have these benefits. It has not been more than a year since the conditions of the policies were updated as a consequence of the fact that in Mexico the average search for pregnancy is at 37 years of age.
One of the best recommendations is to have financial planning and contract a savings plan from a young age, since in a matter of pregnancy as such there is no financing or loans to solve emergencies at the moment. On the other hand, many insurers have specific coverage for women in case of pregnancy or illness.
Inquiries in Assisted Reproduction are increasing and insurance coverage is evolving with it. Two years ago, insurers gave a resounding "no" when asked about In Vitro Fertilization (IVF). With these new needs, the policies have been modified; however, it is a process that is still ongoing and it is expected that soon there will be changes that favor Assisted Reproduction as in other countries.
Study very well your insurance policy to get the most out of it, the best option is to approach an advisor, and above all your trusted doctor accompanies you. If you have any questions about the treatments, come to our specialists, we will be happy to help you. certified specialists, estaremos felices de apoyarte.
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