Should adoption be covered by health insurance if fertility treatments are covered?

So I'm playing Devil's Advocate a little, but it seems logical to me. If your health insurance covers fertility treatments (mine doesn't though...), then given that adoption accomplishes the "same" goal (technicalities about where the DNA comes from accepted), then doesn't it make sense that the employer or the health insurance provider should also provide adoption benefits that match?

A friend of mine can get fertility treatments totaling tens of thousands of dollars, but he can't get $100 toward adopting. Me... I can't get either.

Any suggestions for convincing my employer of the logic here would also be appreciated.

Our insurance covered a portion of our adoption when we adopted our son. It is a clause in the insurance called the "Adoption Indemnity Benefit" and it is in place ONLY if you are paying for maternity benefits. It is the insurances way to help out people who will not be using their maternity benefit that they are paying for.

E-mail me with any other questions...we have done this before and are pretty well versed in how it all works! Just call your insurance customer service number and ask if you have the adoption indemnity benefit and how it works with your plan!!

Good luck! Source(s): We had this coverage through Blue Cross Blue Shield and Mid West National Life

With adoption, you will not be having a medical procedure done, hence it will not pay. Even if you convince your employer, you will not be able to convince the insurance company.
I think you are headed in the wrong direction for help in covering adoption costs. Trying to equate them with health insurance won't work. I don't know how many employers help with adoption costs but I haven't ever heard of one.
No, they shouldn't provide those same benefits for adoption. It isn't a health related matter. Health insurance is for health purposes period. I am sorry about your circumstances though, and I hope things work out for you.
I know what you're saying, but health insurance doesn't cover it. It's covered by the adoption tax break instead.
Health insurance by definition can't cover a non-health related issue. If they did then people would think of lots of other non-health issues that they think should be covered too. That's why many employers offer adoption assistance. Yes, not all do, but many insurance plans do not cover fertility treatments either.

Also, although you won't die from infertility, most health concerns won't kill you either and don't *have* to be treated, like arthritis, or sinus problems.