We all know that the average age to become parents has been significantly delayed for years. This has made it more difficult to become “pregnant”, and has led to an increase in the use of assisted reproduction systems. At the same time, once we have had the children we wanted, there are, and are often used, means to avoid having more. We will see how family health insurance helps in these areas.
Health insurance and its additional services
The truth is that 90% of people see health insurance as a means to expedite medical treatment and diagnosis. Recently, we published an article on how women’s health insurance helps, specifically.
Even though this is true, year after year insurance companies implement improvements in medical policies that:
- They introduce new guarantees and means of diagnosis: Da Vinci robot, bariatric surgery, green laser… would be some recent examples.
- Complement health insurance with additional services
In this last point, these family planning family planning systemseither to increase the family or, on the contrary, to “contain” its growth.
Assisted reproduction and family planning in the health insurance system
Health insurance companies are trying to adapt to what the market demands and, as we pointed out at the beginning, customers want to include in their policies facilities when it comes to finding these services.
We are talking about two types of services:
- Assisted reproduction techniques: artificial insemination or in vitro fertilization.
- Family planning mechanisms: tubal ligation, vasectomy, IUD implantation…
Insurers act in two ways:
- Without providing coverage as such for the cost of these services or surgeries, they do facilitate access to them in subsidized centers, through discounts and “franchised prices”.
- They do provide coverage.
Medical insurance covering assisted reproduction
The insurance companies that offer coverage for assisted reproduction assume the treatments completely or almost completely. However, it must be taken into account that these insurance companies demand multiple requirements to provide this coverage for assisted reproduction:
- Both members of the couple must be insured (at present, unfortunately, insurance companies do not provide this service to a single person).
- Have health insurance for at least X months to start treatment: depends on the company, varies between 24 and 48 months.
- They set an age limit for starting treatment
- Some companies even require no offspring to offer treatment.
As we discussed, these requirements are imposed by the health insurance companies that do provide coverage for the treatment. In order to offer discounted prices, they are more flexible, and it will be the staff of these centers who will indicate whether the mother and/or father meet the health requirements to start the treatment.
Health insurance at PIB Group Iberia
If you want to know this information in more detail or find out about a specific insurance company that you have heard provides coverage for these issues, we will help you get that policy that, in addition to covering these treatments, will also take care of any medical issues you may need.
We work with more than 20 insurance companies, so we have the solution you need. Contact us and compare.
