Couples who are unable to conceive frequently turn to IVF. This procedure can be extremely expensive to pay for, especially if your health insurance doesn’t happen to cover it. Some doctors have started Facebook contests where the prize is free IVF treatment. This brings up many legal, and ethical questions.
IVF stands for “in vitro fertilization”. This treatment can be used by couples who have not been able to conceive by natural means. Part of the treatment involves collecting the woman’s eggs, and the man’s sperm, and putting them together in a petrie dish. Conception occurs outside of the body.
Usually, if an envelope arrives in the mail from an insurance company, it contains one of two things. It is either “junk mail”, trying to sell you a policy, or, it is a bill that you are expected to pay. For us, it was none of the above. The envelopes actually contained checks, made out to my husband. 
After fighting so hard to find affordable health insurance, we ended up canceling it. This may sound crazy, but I can explain. The short answer is that the insurance policy wasn’t anywhere near as “affordable” as it first appeared to be. 
Hospitals use medical billing codes to succinctly describe to an insurance company the type of medical services that a patient received. There used to be around 18,000 codes that doctor’s could select from. This is being updated to around 140,000 codes. It seems that there really is an insurance billing code for absolutely everything. 
After years of having absolutely no dental insurance at all, my husband and I finally have found affordable dental insurance coverage. Now is the time to sit down, and figure out exactly what this particular dental plan covers. Perhaps if I can figure this out right now, I won’t get hit with a unexpected bill in the future.