Medical expenses reimbursed by IVF insurance:
IVF insurance is a special medical insurance, which aims to provide financial support and security for infertile patients. In the process of IVF, medical expenses are one of the focuses of patients. So, what medical expenses can be reimbursed by IVF insurance? The following is detailed from four aspects.
1. Diagnosis cost
The success of IVF depends largely on appropriate diagnostic and therapeutic methods. IVF insurance usually reimburses related diagnostic expenses, including but not limited to the following items:
First is the cost of initial diagnosis of infertility, such as blood test, endocrine test and routine physical examination. These fees can help doctors understand the patient's physical condition and potential problems.
The second is more in-depth infertility diagnosis costs, such as salpingography, hysteroscopy and sperm quality testing. These examinations can more accurately determine the cause of infertility and provide a basis for follow-up treatment.
Finally, it also includes the inspection costs related to assisted reproductive technology, such as the purchase and monitoring of ovulation promoting drugs, and genetic testing before embryo transfer.
2. Treatment expenses
The treatment process of IVF involves multiple links. IVF insurance can generally reimburse medical expenses, such as:
The first is the cost of ovulation promoting drugs, which are used to stimulate ovulation and increase the chance of pregnancy. Different ovulation promoting drugs have different prices, and IVF insurance can help patients reduce their financial burden.
Next is the cost of IVF assisted reproductive technology, such as in vitro fertilization (IVF) and embryo transfer. These operations need special equipment and a professional team of doctors to operate, and the cost is high. IVF insurance can reimburse some or all of the related expenses for patients.
In addition, in the process of IVF, some cell and gene tests may also be required to screen patients and their spouses for genetic disease risks. The expenses of these tests can also be included in the reimbursement scope.
3. Drug expenses
In the process of IVF, a series of drugs are usually used to promote the development of eggs and the success rate of fertilization. IVF insurance can usually reimburse drug expenses related to IVF, including but not limited to the following types of drugs:
Ovulation promoting drugs: drugs used to stimulate ovarian ovulation, such as gonadotropin and anti estrogen.
Pre fertilization drugs: drugs used to increase the development and survival rate of fertilized eggs, such as oocyte maturation agents and implantation preparation drugs.
Pregnancy maintenance drugs: drugs used to maintain pregnancy, such as progesterone and estrogen.
4. Postoperative nursing expenses
The success of IVF does not mean that everything is over. Patients need a series of care and examinations after the operation. IVF insurance usually reimburses postoperative care costs, such as:
Monitoring costs during pregnancy: including routine prenatal examination, amniocentesis and Down's syndrome screening during pregnancy.
Treatment cost of diseases during pregnancy: such as gestational diabetes and gestational hypertension that require additional treatment.
Delivery costs: including the operation costs of natural delivery and caesarean section, as well as post natal rehabilitation and nursing costs.
To sum up, IVF insurance can reimburse medical expenses related to IVF, such as diagnosis expenses, treatment expenses, drug expenses and postoperative nursing expenses. Through the purchase of IVF insurance, patients can obtain financial support and protection, and reduce the burden of IVF.
