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The purpose of this study is to evaluate the effectiveness of an educational intervention on health insurance literacy and utilization of in vitro fertilization (IVF) insurance benefits. The investigators hypothesize that the intervention is acceptable and satisfactory and will result in increased health insurance literacy and utilization of IVF benefits.
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| Label | Type | Description | Intervention Names |
|---|---|---|---|
| Health insurance educational guide | Experimental | Eligible individuals will receive a health insurance educational guide to support choosing among 5 health plans for IVF coverage. They will also receive receive a one-page guide with a link to the Open Enrollment website that is available to all employees during the open enrollment period. |
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| Usual care | No Intervention | Eligible individuals will receive a one-page guide with a link to the Open Enrollment website that is available to all employees during the open enrollment period. |
| Name | Type | Description | Arm Group Labels | Other Names |
|---|---|---|---|---|
| Health insurance educational guide | Behavioral | The educational guide includes 4 content areas: 1) Definition of key insurance terms; 2) premiums, deductibles across the five 2023 health plans; 3) Summary of how premiums and deductibles can affect out of pocket costs; 4) Guide to finding in-network IVF providers and facilities. |
| Measure | Description | Time Frame |
|---|---|---|
| Health Insurance Literacy Measure | 9 items from the Health Insurance Literacy Measure will assess participants' confidence using their health insurance and being proactive with their health insurance for IVF services. Items will be scored from 0 (not at all confident) to 3 (very confident). Higher scores indicate better health insurance literacy. | 10 months after receipt of the intervention |
| Measure | Description | Time Frame |
|---|---|---|
| Health Insurance Literacy Measure | 6 items from the Health Insurance Literacy Measure will assess participants' likelihood of comparing health insurance plans. Items will be scored from 0 (not at all confident) to 3 (very confident). Higher scores indicate better health insurance literacy. | 1 month after receipt of the intervention |
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Inclusion Criteria:
Exclusion Criteria:
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| Name | Affiliation | Role |
|---|---|---|
| H. Irene Su, MD MSCE | University of California, San Diego | Principal Investigator |
| Facility | Status | City | State | ZIP | Country | Contacts |
|---|---|---|---|---|---|---|
| University of California San Diego | La Jolla | California | 92093 | United States |
| PubMed Identifier | Type | Citation | Retractions |
|---|---|---|---|
| 40602660 | Derived | Dayo O, Turcotte V, Reyes B, Flores Ortega RE, Kaiser BN, Aarons GA, McMenamin SB, Su HI, Romero SAD. Navigating health insurance selection for in vitro fertilization (IVF) benefits: A study protocol. Contemp Clin Trials. 2025 Aug;155:107998. doi: 10.1016/j.cct.2025.107998. Epub 2025 Jun 30. |
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Deidentified individual participant data generated during the study will be available from the principal investigator (H. Irene Su) upon reasonable request.
Requests for deidentified individual participant data can be made beginning 12 months after publication and for up to 36 months post publication.
Deidentified individual participant data reported in the manuscript will be shared under the terms of a Data Use Agreement and may only be used for approved proposals. Requests may be made to the principal investigator (H. Irene Su).
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| ID | Term |
|---|---|
| D007246 | Infertility |
| ID | Term |
|---|---|
| D000091662 | Genital Diseases |
| D000091642 | Urogenital Diseases |
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Randomized controlled trial
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| Utilization of IVF services |
Participants will self-report utilization of IVF services. |
| 10 months after receipt of the intervention |
| Insurance coverage | Participants will self-report insurance coverage related to IVF services. | 10 months after receipt of the intervention |
| Out of pocket expenses | Participants will self-report out-of-pocket expenses related to IVF services. | 10 months after receipt of the intervention |
| Financial hardship | The 15-item Economic Strain and Resilience in Cancer tool will be used as a self-report subjective measure of financial hardship related to infertility and IVF services. Items are scored from 0 (least hardship) to 10 (most severe hardship). Higher scores indicate worse financial hardship. | 10 months after receipt of the intervention |