Will Insurance Pay for Sperm Banking if You Have Cancer?
By SpermCenter - Posted on September 10th, 2010
Fri, 2010-09-10 15:32 | SpermCenter
This is a question we received recently from a visitor who was wondering if his insurance would pay the cost of storing his sperm, since he has to undergo chemo and other cancer treatments that may adversely affect his fertility.
The answer is that it depends on the insurance company. Some health insurance plans may cover the cost of part or all of the initial services. Check with your insurance provider and doctor's office staff prior to beginning the banking process.
The first thing you should do is read your insurance contract, because insurance companies are bound by contract law. This means that no matter how "necessary" a procedure may be, they are only required to cover what they list in their contract (your policy). That said, you can to your provider and try to work something out or appeal their decision if they deny you insurance coverage for sperm cryopreservation.
Since there exists supplemental insurance for things like fertility treatments, you may be able to find something similar for sperm storage. Also, ask the sperm banks you're interested in if they have any discounts for men dealing with cancer. Sperm banks like California Cryobank'sFertile Future program offer options, like a special discounted program through Livestrong, Lance Armstrong's cancer foundation. This means men dealing with cancer get 50-60% off of services if they bank with California Cryobank.
This is just one instance we know of, and other banks may have similar programs in place. You can also check with cancer non-profits like Fertile Hope, also a Livestrong program.