Dangers of No Insurance


Dangers Associated with No Insurance Coverage

  • Without a mandate none of the medical costs related to infertility are covered, including office visits and diagnosis.
  • Without insurance coverage, couples make medical decisions based primarily on financial considerations rather than medical necessity, which often result in multiple births and a high rate of complications during and post-pregnancy.(Jain, et al., New England Journal of Medicine).

Insurance Premiums Do NOT Increase

  • Comprehensive infertility coverage may actually reduce premium expense by as much as $1 per member/ per month. Mercer, et al. found unnecessary procedures such as tubal surgery could be eliminated and improved quality controls could reduce higher order multiple births and their accompanying costs.(1)
  • The cost of infertility services as a percent of the total health care premiums went down after the 1987 Massachusetts mandate, with total infertility costs making up only 0.41% of the premium.(2)
  • 900 companies were surveyed in a 2006 employer survey conducted by consulting firm William M. Mercer. Of those that offered infertility coverage, 91% said they had NO INCREASE in healthcare costs as a result of adding this benefit.(3)
  • A ‘Comprehensive Review of Mandated Benefits in Massachusetts’ reported in July 2008 that primary state mandates, including infertility coverage, appeared to be cost effective.(4)
    1. Study by Richard E. Blackwell and the Mercer Actuarial Team (American Journal of Obstetrics and Gynecology, Vol. 182, No. 4, April 2000).
    2. Study by Griffin & Panak (Griffin, Martha and Panak, William F, Ph.D. “The Economic Cost of Infertility-Related Services: An Examination of the Massachusetts Infertility Insurance Mandate.” Fertility and Sterility 1998:70:22-29.)
    3. Mercer Survey
    4. Bachman, S., et al. (2008) Comprehensive Review of Mandated Benefits in Massachusetts: Report to the Legislature.