insurance coverage for pregnancy resulting from infertility drugs?

[Cheesecake7]

I do not have infertility insurance, none at all. Does anyone know, If I get pregnant resulting from infertility drugs, is there any loop hole that the insurance could use to not have to cover it.  For example, lets say I get pregnant with multiples (although that is not the goal) and they need a NICU stay. Can the insurance refuse to cover that because it is likely that the multiples are the result of fertility drugs?

I am certainly not aiming for multiples, I want one healthy baby. This is just something that crossed my mind and I was wondering if anyone knew anything about it.

[pussycat617]

Addition to First Entry of Mine:

Those who have to pay for their own individual policies still have to meet the 31-day deadline to get their newborns on an insurance policy.

In general, you have nothing to worry about.

[pussycat617]

Hi!  Great question, and I hope this puts your mind at ease.  I work in insurance sales, and I can tell you this much.  This applies to Texas, but there is general uniformity on most of this.  You'll need to find someone in your state who can better answer the specifics.

Basically, for group health plans, any complications arising from pregnancy and delivery itself are covered.  Your newborns are covered under your policy (or your coverage) automatically, including NICU.  You will have 31 days to notify your insurance company of the birth(s) to put your children on the policy for their own coverage, and payment of premium for the newborn(s) must be received by the insurance company within that 31 days.  There will be no lapse in coverage as long as you notify your insurance company and pay the premium for your newborn(s) within 31 days of the birth.  Coverage also includes problems arising from medically diagnosed congenital birth defects and birth abnormalities.

For those who have to purchase individual insurance policies, while pregnancy care is not covered (it usually takes a very expensive maternity rider), any complications that the mother is treated for or complications to the newborn are automatically covered under the individual policy until you can secure coverage for the child or children after birth.

So, you and your babies are covered at the time of birth.  Just make sure you get them on your policy ASAP so you do not have a lapse in coverage.

Hope you can breathe now!!  Good luck to you.

[40smama]

I too have no infertility insurance so I had the same concern.  I learned that while they do have access to medical records and can find out if you conceived by iui or ivf, etc., they will cover pregnancy regardless of how the baby was conceived.  I live in the state of NM & that anyway is the regulation here.  Good luck!

[scienceteacher79]

I don't think they have any right whatsoever to refuse. How you became pregnant is none of their business and they should not ask you that question. If they find out for some reason, I do not think there is any way they can refuse. Think of it like this: if you were skateboarding (just assume :) and broke your leg they can't refuse you. Now, you knew you COULD get seriously hurt doing that but you did it anyway and they had to cover it. Same thing with fertility drugs, you knew you COULD get pregnant with a lot of babies but that doesn't mean they don't have to cover you. Does that make sense? Hope so! Hee hee - Good luck!

[Heather5]

Hmmm! I've never thought about that...but I can't imagine they can refuse to cover pregnancy-related costs. I hope not!!!