Can IVF be reimbursed for medical insurance?
IVF refers to an infant who transfers the fertilized egg back to the mother in the process of IVF through assisted reproductive technology. With the continuous progress of science and technology, IVF has become a more and more common way of birth. However, the high cost of IVF has become a major problem for many couples to choose this method. So, can IVF be reimbursed for medical insurance? This article will elaborate from four aspects.
1. Medical insurance policy
Whether IVF can be reimbursed for medical insurance needs to pay attention to the medical insurance policy first. At present, different provinces in China have different medical insurance policies for IVF. For example, Beijing's medical insurance policy stipulates that IVF babies can apply for reimbursement, but certain conditions need to be met, such as age limit, length of marriage, etc. Shanghai's medical insurance policy stipulates that IVF babies can be reimbursed, but the reimbursement rate is relatively low, requiring more self expense. Therefore, in different regions, whether IVF can be reimbursed for medical insurance needs to be determined according to specific policies.
In addition, even in the same region, the medical insurance policy may change. Therefore, when choosing IVF, couples should consult the local medical insurance bureau or hospital in advance to understand the latest medical insurance policy.
2. Proportion of medical insurance reimbursement
Even if IVF is covered by the medical insurance policy, the reimbursement ratio is another factor to consider. Generally speaking, the cost of IVF is relatively high, involving multiple projects, including in vitro fertilization, embryo transfer, blastocyst culture, etc. The reimbursement proportion of different items may vary, depending on the medical insurance policy.
In addition, some items may not be covered by the medical insurance policy, such as drug costs after embryo transfer, semen freezing costs, etc. These costs will be borne by the couple. Therefore, even if IVF can be reimbursed for medical insurance, couples need to consider the possible self funded part.
3. Selection of hospitals and doctors
The reimbursement level of IVF is also related to the choice of hospitals and doctors. Some well-known public hospitals may provide a higher reimbursement rate because they have a cooperative relationship with the medical insurance department. However, some private hospitals may have low reimbursement rates, or do not provide medical insurance reimbursement services at all.
In addition, professional doctors also have an important impact on the success rate of IVF surgery. Therefore, it is suggested that couples should choose medical teams with rich experience and good reputation when choosing hospitals and doctors.
4. Other cost relief policies
In addition to medical insurance reimbursement, couples can also try to apply for other cost relief policies during IVF. Some local governments and charities may provide funding plans for IVF to help couples with financial difficulties realize their reproductive dreams.
In general, whether IVF can be reimbursed for medical insurance needs to be determined according to specific medical insurance policies. The reimbursement ratio, the choice of hospitals and doctors, and other cost reduction policies are also important factors affecting the reimbursement level of IVF. Before IVF, couples should consult with local medical insurance departments and hospitals in detail to fully understand the relevant policies and costs, so as to make appropriate decisions.
