Don’t have fertility issues but was browsing my coverage for some other stuff and went down a rabbit hole. I have really really good health insurance that is probably better than 99% of Americans so I’m sure it’s true for everyone else. This is honestly super sad considering I have several coworkers that battled with infertility and spend THOUSANDS of dollars out of pocket to finally have their children. But they’ll pay for you to mutilate your body and even fly you to have the procedure done. Unbelievable.
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Its probably because those procedures they cover are rare (except abortion) but fertility and invetro are much more common. The rarer the procedure the lower the expected cost even if its expensive. So they can make the policy look better by having it offer more things while the policy only goes up a few cents or dollars for all the stuff added in because it's so unlikely for people to use it. Still a terrible thing to promote those things.
Yes you should be able to add a rider to any plan to cover what YOU WANT....LIke, I dont know, the pre-Obummer plans? Granted they had different levels, but YOU HAD A CHOICE. Now its a one size fit all.
Imagine if auto or home insurance was like that? Consumer costs would go through the roof (no pun intended)