Frequently Asked Questions

 

What exactly does this insurance cover?

If, after three successive attempts or cycles of IVF, your treatments do not produce a live birth, you receive reimbursement for your incurred and paid expenses. These treatment cycles can be all fresh, all frozen or a combination of the two.

This insurance also provides reimbursement for other expenses associated with your IVF procedures, including pre-screening costs, consultations, medication, professional counseling & therapy, and travel expenses.


Does this Insurance policy include coverage for donor embryos?

Currently our policy does not cover donor procedures, however it is our goal to have this coverage be available soon.


What does "pre-screening costs" include?

Pre-screening costs include the medically related costs, ordered by a licensed physician, directly related to your IFV treatment in order to determine fertility and/or candidacy for the IVF procedure.


What does "consultations" include?

Consultations include any services or appointments with your licensed physician performing the IVF procedure.


what does "medication" include?

Medication means all prescription medication, supplements, vitamins, or drugs (oral or injected) prescribed by your licensed physician for your IVF treatment.


What does "Professional Counseling and Therapy" include?

Professional Counseling services include guidance or counseling offered by professional social workers, counselors, nutritionists, psychologists or psychiatrists to help resolve social or personal problems directly related to your involvement with an IVF Procedure


What does "travel expense" include?

Travel expenses are expenses incurred including airfare, hotel and meals for the Insured Procedure performed over 250 miles from the address of the Named Insured.


What is the limit of the insurance this policy provides?

You get to choose your limit of IVF insurance. According to the Society for Assisted Reproductive Technologies (SART), the average cost of one cycle of IVF is $12,400. Since our policy reimburses after three unsuccessful IVF attempts, the average coverage amount is $37,000.

Click here for a basic guide to help determine the limit of insurance you need. IVF costs can vary per clinic, therefore we recommend you consult with your IVF clinic to determine the specific amount of insurance needed. 


Is IVF covered by my Health insurance plan?

We recommend you check with your current health insurance plan to determine if you have coverage for any costs associated with IVF. It is estimated that ninety-four percent of traditional health insurance plans do not cover infertility treatment.


What if MY HEALTH INSURANCE PLAN only covers part of my IVF expenses?

You can still purchase the Vitality Solutions insurance policy for those IVF expenses that are not included in your health insurance plan. 


Does this policy cover procedures that are Gamete Intrafallopian Transfer (GIFT) or Zygote Intrafallopian Transfer (ZIFT)?

Yes.


When does a cycle or attempt start?

A fresh IVF cycle or attempt starts when the woman begins her medication for egg stimulation. At any point from here on forward, if no live birth is achieved, this would be considered an unsuccessful cycle or attempt.

A frozen IVF cycle or attempt starts when the embryos are thawed and transferred to the woman. At any point from here on forward, if no live birth is achieved, this would be considered an unsuccessful cycle or attempt.


How long do I have to attempt 3 cycles?

We would never want for you to feel rushed through your IVF treatment process, this is why we give you 3 years to attempt 3 IVF cycles. The first IVF cycle or attempt must start no later than 60 days from the purchase of this insurance policy.


What are the possible outcomes of this policy?

1. You have a baby. You also know that your insurance premium expenses are now giving hope back to others going through IVF.

2. You have three successive unsuccessful IVF treatments. Receive your money back, giving you hope for your future.


If my IVF Insurance policy limit is $40,000, but costs came in under budget at $37,000, would I get reimbursed $40,000 or $37,000?

You are reimbursed only for costs incurred, up to the policy limit. In this case you would receive a check for $37,000.


If my IVF Insurance policy limit is $40,000, but costs came in over budget at $45,000, would I get reimbursed $40,000 or $45,000?

You are reimbursed only for costs incurred, up to the policy limit. In this case you would receive a check for $40,000.


How long do I have to file a claim after the third unsuccessful attempt?

All claims need to be submitted online within 90 days after the end of the third unsuccessful IVF treatment attempt.


How complicated is the claims process?

It is our goal to make this as easy on you as possible, which is why we have a very simple claims process. Click here to learn more.


Do I have to notify Vitality Solutions when I have a baby?

No, if you have a baby, you do not need to notify us. However, we would love for you and your baby to be a part of our Miracle Stories by sending your story to us at choosehope@vitalitysolutions.com.

When you let us know about your success, it also allows us to give back more quickly, bringing hope and new life to others. To learn more about our "Give Back" program, click here.


How DO I pay for my vitality solutions insurance policy?

The Vitality Solutions insurance policy is purchased online and is a one-time upfront payment. We accept MasterCard, Visa, Discover and e-checks.

If you are interested in financing your insurance premiums, our client advocates are available to discuss financing options with you over the phone. Call us today at 346.888.2866.


Who is the insurance carrier?

XL Catlin specializes in Property and Casualty insurance and reinsurance with gross written premiums of US$8.4B. XL Group Ltd's core operating insurance and reinsurance companies have one or more of the following financial strength ratings: AM Best A, S&P A+, Fitch A+, Moody's A2. 


Can I finance my ivf procedures and ivf insurance premiums?

Vitality Solutions understands that many patients would prefer to pay their IVF insurance premiums monthly. To apply for monthly payment options with Prosper Healthcare click here. Prosper Healthcare can also provide financing for your entire IVF procedure and related expenses.