
My wife and I have been dealing with some infertility issues. Simply put, we would like to have children–in the near future if possible–and it seems that this will require some extra medical attention. As I perused our insurance policy to find out what of this extra attention would be covered, I was disappointed to discover that infertility services and medications are not included in our plan; in fact, they are explicitly excluded. I know very little about the actuarial science involved in designing these policies, so I can only speculate about why this might be the case. Whatever the reason, it seems that we may have to pay out-of-pocket for any fertility treatment we seek with this insurance.
At about the same time that I discovered this, I received an email announcing that, as of the upcoming school year, my insurance policy will be covering “transgender services” (their term, and I do not know what all it entails). Continue reading




