Can Generation 1 IVF enjoy medical insurance reimbursement?
With the development of technology, IVF technology has become the gospel of many infertile couples. However, for many families, the cost of IVF is also a big burden. Therefore, many people are concerned about whether IVF can enjoy medical insurance reimbursement to reduce economic pressure. The following will elaborate on medical insurance policies, hospital selection, expense reimbursement and policy changes.
1. Medical insurance policy
Medical insurance policy is an important factor in deciding whether IVF can enjoy medical insurance reimbursement. In China, medical insurance policies are formulated by the state and local governments according to the actual situation. At present, the medical insurance policy in most regions does not cover the cost of IVF, so the first generation IVF generally cannot enjoy medical insurance reimbursement. This is because, when the medical insurance policy was formulated, the IVF technology had not been widely used, and the technology was complex and the cost was high. However, with the attention paid to infertility and the maturity of IVF technology, the future medical insurance policy is expected to cover the cost of IVF.
2. Hospital selection
Although most of the current medical insurance policies fail to reimburse the cost of IVF, the cooperation between the hospital and the medical insurance can be taken into account when selecting the hospital. Some hospitals cooperate with medical insurance to provide reimbursement services for IVF surgery, which can reduce part of the economic burden. For example, a hospital in Beijing signed an agreement with the local medical insurance bureau to reimburse eligible IVF surgery expenses. Therefore, when choosing hospitals, we can understand the cooperation between hospitals and medical insurance, so as to reduce the cost pressure to a certain extent.
3. Expense reimbursement
For the expense reimbursement of IVF, some local medical insurance policies may provide certain reimbursement basis. For example, the medical insurance policy in some areas of Shandong Province stipulates that the expenses of the first test tube baby not exceeding 50000 yuan can be reimbursed. In addition, some commercial insurance companies also provide medical insurance for IVF, which can reduce the cost burden to a certain extent. However, these policies and insurance coverage are limited and cannot meet all families who need IVF.
4. Policy changes
The medical insurance policy related to IVF has always been one of the focuses of social attention. With the increasing recognition of IVF technology, the future medical insurance policy is expected to adjust the cost of IVF. For example, in 2018, Fujian Province issued a medical insurance reimbursement policy for test tube babies to provide certain subsidies to eligible families. Therefore, future policy changes may have a positive impact on IVF reimbursement.
In general, in most regions, the first generation IVF cannot enjoy medical insurance reimbursement. However, with the continuous development of IVF technology and the improvement of social recognition, the future medical insurance policy is expected to cover the cost of IVF. Although the cost is still a big pressure to consider IVF, the economic burden can be reduced to a certain extent according to the policies of different regions and the cooperation of hospitals. However, it is worth noting that, regardless of whether they can enjoy medical insurance reimbursement, couples pay more attention to the survival rate and fertility success rate of IVF. It is hoped that the government and medical institutions can further focus on the field of IVF and provide more support and help for infertile patients.
