Navigation Links
Marketing loans for fertility treatments raises ethical concerns

An increase in the number of lenders specializing in loans for fertility treatments enables more people to afford the treatments, but it also raises ethical concerns, concludes a commentary in the Hastings Center Report. Among the concerns, doctors are marketing the loans to their patients, and some of these doctors have financial ties to specific lenders. The commentary calls for assessment and oversight of the practice.

The emergence of "fertility loans" is a response to the high cost of many fertility procedures, including in vitro fertilization and the use of donor gametes. Cost is the main obstacle to obtaining assisted reproduction in the United States, according to the commentary, because many patients have insufficient, if any, insurance coverage.

"In facilitating the process to obtain credit and, in some instances, benefiting financially through equity ownership in private lending firms, participating physicians declare this a 'win-win situation' with no clear conflict of interest," writes the author, Alisa Von Hagel, an assistant professor of political science at the University of Wisconsin-Superior. But she disputes this view.

While taking out loans to help pay for medical procedures is not uncommon in the United States, Von Hagel writes that "given the emotional and psychological vulnerability of patients seeking fertility treatments, it has unique implications for this population."

There is no law or regulation that assures that patients receive complete information about their financing, and physicians and clinics are not required to disclose their financial ties to lenders. "For individuals or couples willing to do whatever it takes to produce a child, the availability and promotion of these loans may encourage interventions that hold little chance at success, exacerbating the anguish of infertility," writes Von Hagel. "The question thus arises whether this better serves to enhance the reproductive autonomy of patients or the profit margins of fertility clinics and physicians."

Aside from the risk to patient care, Von Hagel says that marketing fertility loans poses ethical risks to the medical profession, potentially weakening patients' trust in fertility specialists. "Failing to evaluate and respond to the ethical concerns created by the loans may lead to a decline in the public's estimation of this medical field, particularly if apparent abuses of patient trust emerge," she writes.

Von Hagel says that the consequences of doctors marketing fertility loans are unknown, but she recommends that a board such as the Ethics Committee of the American Society for Reproductive Medicine review the practice and the financial ties between doctors and lenders. "Assessment and oversight of this practice need not be an overtly paternalistic effort to deprive patients of decision-making authority," she concludes. "Rather, it should contain an honest evaluation of the loans and their genuine benefit."


Contact: Susan Gilbert
845-424-4040 x244
The Hastings Center

Related medicine news :

1. TAG Marketing Announces CrossFit and MMA Training Now at Gold's Gym Clermont
2. Finn’s JM&J Insurance Agency Unveils Custom Virtual Insurance Office and New Digital Marketing Campaign
3. TAG Business Welcomes BrightStar Care of East Seminole County in Orlando and Launches Cutting Edge Local Internet Marketing Campaign for Home Health Care Service
4. Lampe-Batkin Associates Unveils Its New Custom Virtual Insurance Office and Digital Marketing Campaign
5. Marketing firm launches website to assist small professional service businesses with social media marketing programs.
6. Digital Marketing Service For Plastic Surgery Sector Launched By Strategic Medica
7. TAG Business Strategies Welcomes Gold's Gym Indianapolis to their Client List and Launches Internet Marketing Campaign
8. G4S Technology LLC Appoints Sam Belbina as Company President, Ed Pedersen as Senior Vice President of Sales and Marketing, and Bob Sommerfeld as Chairman of the Board
9. Clarity Quest Marketing Earns Bing Ads Accredited Professional Recognition from Microsoft
10. oGoing Launches Android App for Small Business Social Media Marketing, Online Networking and Lead Generation
11. Progressive Dental Marketing CEO Cites Mutual Benefits of Strategic Referral Partnerships
Post Your Comments:
(Date:10/13/2015)... ... October 13, 2015 , ... ... with autism, PediaPlex , a Southlake, Texas, child development and pediatric therapy ... and educating military families about their options for receiving this kind of ...
(Date:10/13/2015)... ... October 13, 2015 , ... Just under three months ago, ... Concepts began a $1 promotion – effectively offering all of their services for just ... weeks the company was flooded with phone calls from interested buyers. As a genuine ...
(Date:10/13/2015)... ... October 13, 2015 , ... ... Women’s show this coming October in Toronto, an exhibition featuring the newest products ... choose from, Curly Hair Solutions® couldn’t be more excited to unveil their recent ...
(Date:10/13/2015)... ... October 13, 2015 , ... ... solutions for drugs, biologics, consumer health and animal health products, today announced that ... lead a new, dedicated global team of drug development and technology experts. , ...
(Date:10/12/2015)... ... October 13, 2015 , ... ... to announce the release of its new Professional Medical Coding and Billing with ... both the ICD-10-CM and ICD-10-PCS code sets, earn the Certified Professional Coder (CPC) ...
Breaking Medicine News(10 mins):
(Date:10/12/2015)... -- About epilepsy --> ... disorders manifested by benign to severe, disabling, and life-threatening ... malformations and tumors to meningitis, high-risk pregnancies, and trauma ... is unidentified, as is witnessed in the majority of ... between the inhibitory and excitatory signals of the brain, ...
(Date:10/12/2015)... Elbit Imaging Ltd. ("EI" or the ... board of directors approved a program to repurchase up to ... H Notes and Series I Notes, which are traded on ... the Company will have a significant preference to the purchase ... to time in the open market on the Tel Aviv ...
(Date:10/12/2015)... , Oct. 12, 2015 A new computer ... children can predict whether they will develop effective language ... to a study in the journal Brain and ... --> In the journal,s Oct. 12 online edition, ... computer program determines how specific regions of the brain ...
Breaking Medicine Technology: