CHICAGO, Nov. 6 /PRNewswire/ -- Lotus Blossom Consulting, LLC, a
Chicago-based infertility consultancy with clients around the world,
announces the availability of their free E-Book, Financing Your Infertility
Treatment, available on their website at http://www.lotusblossomconsulting.com. The E-Book addresses the financial
aspects of infertility, and it will be available beginning with National
Infertility Awareness Week, November 4 - 10, 2007, and beyond.
According to the American Society for Reproductive Medicine, most
infertility cases -- 85% to 90% -- are treated with conventional medical
therapies such as medication or surgery. Yet, infertility treatment can be
costly, success rates are not guaranteed, and insurance benefits may be
limited.
"Beyond simply the medical issues, there are so many factors to
consider when dealing with infertility," says Mindy Berkson, co-founder of
Lotus Blossom Consulting. "Proper financial planning and utilization of
insurance benefits in the right order can help you effectively minimize
costs, maximize insurance benefits, and save significant out of pocket
expenditures. Lotus Blossom's E-Book can help."
The E-Book, Financing Your Infertility Treatment, provides an overview
of financing options available, with particular emphasis placed on
individualized tax situations, specific insurance benefits, and the total
financial resources available before undergoing the infertility journey.
For more information on the E-Book, contact Lotus Blossom Consulting toll
free at(877) 881-2685
, email consultant@lotusblossomconsulting.com or
visit them on the web at http://www.lotusblossomconsulting.com.
ABOUT LOTUS BLOSSOM CONSULTING, LLC
As one of the first infertility consultancies in the United States,
Lotus Blossom Consulting, LLC was founded by Mindy Berkson in 2005 after
her own personal battle with secondary infertility. With extensive
experience in all aspects of infertility, from egg donors and surrogates to
in-vitro fertilization, Lotus Blossom Consulting works with individuals on
a case-by-case basis, taking into consideration clients' emotional,
physical and financial infertility issues then develops an individualized,
comprehensive plan, including relevant insurance information, to help
clients make informed decisions. Lotus Blossom Consulting has worked with
many individuals to enrich their lives by helping them to fulfill their
dreams of having children.
For more information about Lotus Blossom Consulting, LLC, call toll
free (877) 881- 2685, email consultant@lotusblossomconsulting.com or visit
them on the web at http://www.lotusblossomconsulting.com.
States that do require some benefit level for infertility treatments are called “mandated to cover” states, although specific rules may vary from state to state: Arkansas, Hawaii, Illinois, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island and West Virginia are “mandated to cover” states.
Others, called “mandated to offer” states, require infertility benefits to be offered for additional purchase: California, Connecticut and Texas are “mandated to offer” states (This list may have changed as of the printing of this article).
To make it more complicated, large, national corporations oftentimes offer the same benefits company-wide, resulting in exceptions to the states’ directive. For example, you may live in a state that mandates coverage, but work for a company that is not required by the federal government to meet the state’s benefit mandate. On the other hand, if you live in a state that does not require fertility coverage; you may still be covered through your employer. In addition to these complications, many times your healthcare plan may cover some parts of your treatment even if you work in a state that does not mandate coverage. It is extremely important, therefore, that you contact your Human Resources department and your healthcare plan provider to discuss in detail your benefits.
