FAQ

LifeSpring Insurance invites any caring adult, parent, relative, godparent, or friend to purchase future infertility treatment coverage for any Texas child, so they have what they need to pursue their own biological children if they or their future spouse ever require treatment for primary infertility. We’re the first in the nation to offer insurance of this kind, and there are many questions surrounding infertility treatments. Explore our frequently asked questions below.

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What is the difference between infertility and primary infertility?

Infertility refers to couples who have not become pregnant after at least one year of trying to conceive. Primary infertility occurs when a couple experiences infertility the first time they are trying to conceive. LifeSpring's infertility policy covers primary infertility for the beneficiary couple.

What is infertility insurance?

Insurance is a contract purchased to reduce your financial risk if one or more specific qualifying events take place in the future. An insurer is contractually obligated to pay the insured a sum of money if the insurance criteria are met. Infertility insurance is an insurance policy that specifically covers medical procedures related to a diagnosis of infertility. LifeSpring Insurance provides the country's first and exclusive insurance for primary infertility treatments, offering today's adults an opportunity to give the next generation of couples affected by infertility the hope and financial resources they need.

When can I buy this infertility insurance policy?

LifeSpring's infertility insurance policy can be purchased for a beneficiary from the time they are born until they reach 13. Later in his or her life, a beneficiary of our infertility insurance policy can access coverage starting at age 18, and it will last until they’re 36. Our insurance is easy to purchase online. After answering just a few short questions, you will instantly receive your custom quote. Apply online today or send us a text message if you have any additional questions.

Who can buy this infertility insurance policy for a beneficiary?

The beneficiary of the infertility insurance policy must be a resident of the State of Texas at the time of purchase, but the purchaser does not need to be a resident of Texas. This means that grandparents, aunts, uncles, godparents, or friends who live outside of Texas can still purchase policies for the Texas children in their lives. Purchasing this policy is simple and easy. You can receive a quote online after answering a few questions and purchase the insurance in about 10 minutes. Apply online today or send us a text message if you have any additional questions.

What infertility treatments are covered?

Many of the following procedures may be covered under our infertility insurance policy:

- Anesthesia

- Drug Therapy

- Ejaculatory Duct Resection

- IUI (intrauterine insemination)

- IVF (in vitro fertilization)

- Lab Testing

- Medical Imaging Studies

- Outpatient Surgical Center

- Pre-implementation Diagnostic Screening

- Sperm Retrieval

- Varicocele Repair for Infertility

- Egg and Sperm Embryo Storage

When would a beneficiary be able to use the infertility insurance coverage?

A beneficiary of our infertility insurance policy can access coverage starting at age 18, and it will last until the age of 36. Beneficiary coverage applies to both the policyholder and his or her partner. As long as a claim is made by the age of 36, the beneficiary or his or her partner will have 12 months to complete treatment for that claim.

What if the beneficiary’s partner struggles with infertility?

Our infertility insurance policy is a unique healthcare policy that covers a future couple diagnosed with primary infertility. Infertility is a couple's diagnosis, and this is why we designed this policy to provide the best benefits possible for both members of the couple.

How can I have confidence that LifeSpring will be around in the future when the beneficiary needs to use his or her infertility insurance benefits?

LifeSpring's primary infertility insurance policy is an admitted supplemental health insurance product in Texas. Before it could be offered for sale, our policy was reviewed and approved by the Texas Department of Insurance to ensure it will be available now and in the future.

Will the beneficiary need to undergo medical tests to determine eligibility for insurance payouts?

Yes, in order to determine eligibility for insurance payouts, we may request that additional tests be performed at any time during the claims process. Any additional, necessary tests will be covered by LifeSpring. More information regarding this can be found in your policy.

Will this infertility insurance policy cover my child and my child's future partner?

Yes, the LifeSpring infertility insurance policy was designed to cover a couple diagnosed with infertility. Both members of the couple will share the policy limit.

Do I save money if I buy this policy sooner rather than later?

LifeSpring offers rate discounts when infertility insurance policies are purchased for younger children. Additionally, rates can change from year-to-year. Apply today to lock in the rate you see on your application page.

Why can I only buy this infertility insurance policy for children under the age of 13?

The best time to plant a tree was yesterday. That's why buying an infertility insurance policy is most affordable when its beneficiaries are children, and it is most affordable when children are younger. By buying infertility insurance before infertility is diagnosed, we can create affordable pricing that allows large numbers of people to purchase this type of insurance.

What payment methods can I use to pay the insurance premium(s)? Are there processing fees associated with the different forms of payment?

LifeSpring accepts credit card and ACH payments to pay for your insurance premiums. There is no processing fee associated with credit card payments; however, if you pay with ACH, you will receive a 3.5% premium credit.

Does the beneficiary of the infertility insurance policy have to go to a LifeSpring-approved doctor?

All doctors and procedures should be pre-approved and accepted by LifeSpring before treatment. This ensures that the maximum payment under this policy is available to the beneficiary couple.

If I have a beneficiary who resides in a state where LifeSpring currently does not provide insurance coverage, could I still purchase an infertility insurance policy for this beneficiary?

LifeSpring's infertility insurance policy is an admitted insurance policy and requires state-by-state approval. As of right now, our policy is approved by the Texas Department of Insurance. Beneficiaries (children up to the age of 13 at the time of purchase) must be residents of the State of Texas at the time of purchase, but the policy purchaser does not need to be a resident of Texas. We are working hard to obtain state approval across the United States. If you would like to be informed about our progress in your state, please consider leaving us your email address.

What happens when my infertility insurance policy matures?

After your infertility insurance policy has been paid in full and the beneficiary has reached his or her 18th birthday, the policy is automatically transferred into the beneficiary's name. Now, the beneficiary will become the policy owner, and he or she will be able to file a claim and use the policy's benefits.

How much coverage can the beneficiary couple expect to get with this infertility insurance policy?

Pre-approved primary infertility treatments are covered up to the policy and procedure maximum of $50,000 for the policy's named beneficiary and his or her partner. Please refer to your policy for specific information regarding policy limits.

Do I have to go to a LifeSpring approved doctor?

To maximize the policy benefits, physicians and treatments must be provided by a qualified medical provider and pre-approved by us, prior to the treatment. For more information on qualified medical providers, pre-approval and covered treatments, please refer to your policy.

How common is infertility?

In the United States, infertility affects 12% of all couples wanting to conceive. (Source as of April 2019.)

Does infertility only affect women?

No, infertility does not only affect women. One-third of infertility is attributable to male factors, one-third of infertility is attributable to female factors, and one-third of infertility is attributable to both male and female factors. At LifeSpring, we understand the importance of spreading awareness of the facts regarding the struggles of infertility. (Source: American Society for Reproductive Medicine)

How much could primary infertility treatments actually cost? Shouldn’t a beneficiary’s existing health insurance cover the cost of any needed infertility treatments?

The cost of primary infertility treatments can range greatly depending on the treatment required, age of the couple, and other biological factors. For some, infertility treatments can cost more than $50,000, leaving many couples with very few options.

Infant and maternal care are often covered under someone's existing health insurance policy. But infertility is not covered by all health care policies, and the amounts of coverage vary greatly by state.

LifeSpring's infertility insurance policy is a supplemental health insurance policy that provides the beneficiary couple up to $50,000 of coverage following a diagnosis of primary infertility, including medication, testing, doctor visits, in vitro fertilization (IVF), anesthesia, egg/sperm/embryo storage, and other related treatments with no deductibles or co-insurance.

What is IVF?

In vitro fertilization (IVF) describes a technique in which a woman's eggs and man's sperm are combined in a special laboratory to create an embryo or embryos. Depending on the diagnosis and age of the woman, an embryo or embryos are transferred to the woman's uterus through her cervix to enhance the chances of pregnancy.

What is the average cost of IVF?

In vitro fertilization and the associated medications cost $13,500 per cycle on average but can run as much as $18,000 per cycle.

What is artificial insemination of IUI?

Intrauterine insemination (IUI) describes the technique of placing sperm into a woman's uterus when she is ovulating. This procedure is used for couples with unexplained infertility, minimal male factor infertility, and women with cervical mucus problems. IUI is often done in conjunction with ovulation-stimulating drugs.

If I purchase an infertility insurance policy, can I then update my account information online?

LifeSpring has created a fully functional portal for you to manage your infertility insurance policy online. You can update your account through your Client Portal.

How do I file an insurance claim for this policy?

To file an insurance claim, please log in to your secure Client Portal and find the claim form under the Claims section.

How do I check the status of a claim I’ve submitted?

Encrypted and protected communication regarding claims should be sent and received through our secure online Client Portal.

What should I do if I lost my policy number?

Please log in to recover your policy number

What happens to the infertility insurance policy if I fail to make the monthly premium payments, or if I miss just one of them?

Nonpayment of any infertility insurance policy premium could result in the cancellation of the policy. If a policy is past due one day, we will send you an email reminder to pay the premium. If a policy is 15 days past due, we will send you an email stating our intent to cancel the policy. Should the policy reach an unpaid status of 30 days, the policy will be canceled completely.

Can I add a beneficiary to my existing insurance account?

Yes, you can add a beneficiary to your existing infertility insurance account. By logging into your online Client Portal, you can add another beneficiary to your account. After the addition is approved, the new premium will be added to your existing bill.

Unlike auto insurance or life insurance, there is never a need to renew LifeSpring's infertility insurance policy. Apply from the privacy of your own home to receive a quote in about 10 minutes