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MayDay16
LIF Infant
Member since 6/05 56 total posts
Name:
A
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Insurance Coverage -- How Depressing !!!
I can't believe how much all this RE stuff costs! My insurance hardly covers anything. Thank goodness, I kept my insurance and I am covered under my husbands as well. If it wasn't for his policy I don't know what we would do. That is the 1st thing they ask, "What insurance do you have?" They know right off the bat what insurance covers alot and what covers NOTHING.
This makes things so much more stressfull and depressing.
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Posted 6/20/05 11:10 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
Susan
Loving Mommyhood!
Member since 5/05 2391 total posts
Name:
Susan
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Re: Insurance Coverage -- How Depressing !!!
You're telling me??? I left my job with amazing benefits in the city to get a 'mommy job.' Now I realize that I cannot become a mommy without IVF, and I cannot get IVF without the right insurance, which DH and I Don't Have! It's VERY frustrating and depressing.  
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| Posted 6/20/05 11:29 PM |
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Gertyrae
Peace out Homies!
Member since 5/05 20046 total posts
Name:
Gerty ®
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Re: Insurance Coverage -- How Depressing !!!
I know that my quest ends with IVF because our insurance doesn't cover it. I can only hope the IUI works!
What about copays? We pay $40 every time we go to the RE.
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| Posted 6/20/05 11:42 PM |
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dm24angel
Happiness
Member since 5/05 34581 total posts
Name:
Donna
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Re: Insurance Coverage -- How Depressing !!!
Posted by Gertyrae
I know that my quest ends with IVF because our insurance doesn't cover it. I can only hope the IUI works!
What about copays? We pay $40 every time we go to the RE.
My insurance ( and I WORK for the company, largest in NY) Doesnt cover IVF either 
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| Posted 6/21/05 7:44 AM |
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LisaW
Time for me to FLY!
Member since 5/05 13199 total posts
Name:
Did I ever tell you that I hate people?
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Re: Insurance Coverage -- How Depressing !!!
Posted by Gertyrae
What about copays? We pay $40 every time we go to the RE.
I would give ANYTHING to only have to pay $40. My RE does not take insurance.
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| Posted 6/21/05 8:42 AM |
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MrsJ
I love my Katie Bug
Member since 5/05 11357 total posts
Name:
Kathy
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Re: Insurance Coverage -- How Depressing !!!
I'll find out next wk what my RE takes...or wait, can you girls help me with that? Anyone know what Reproductive Services of NY takes?
I know my insurance covers disgnostic procedures...like the HSG, endometrial biopsy and laperscopy. But they do not cover IVF. I don't even think they cover IUI but I have to double check when I come to that road.
DH's insurance isn't that much better. All of our other medical coverage is FANTASTIC...but when it comes to infertility they pretty much scre w you.
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| Posted 6/21/05 8:58 AM |
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luvsun27
Check out my cool glasses
Member since 5/05 8135 total posts
Name:
Kim
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Re: Insurance Coverage -- How Depressing !!!
Posted by Gertyrae
I know that my quest ends with IVF because our insurance doesn't cover it. I can only hope the IUI works!
What about copays? We pay $40 every time we go to the RE.
My copay is only $15....and my insurance covers 6 cycles of IUI (I'm going on #2 this month). They do not cover IVF....so I don't know what we will do if we get to that point.
Anyone know how much an IVF cycle runs?
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| Posted 6/21/05 10:32 AM |
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LisaW
Time for me to FLY!
Member since 5/05 13199 total posts
Name:
Did I ever tell you that I hate people?
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Re: Insurance Coverage -- How Depressing !!!
Posted by luvsun27
Anyone know how much an IVF cycle runs?
It depends on where you go, and what "extras" you need.
I would say it runs from $7000 to $10,000, plus "extras", and drugs if your ins co does not cover them either....
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| Posted 6/21/05 10:37 AM |
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FeliciaDP
♥
Member since 5/05 18599 total posts
Name:
Mommy
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Re: Insurance Coverage -- How Depressing !!!
It truly is depressing that insurance covers so little when it comes to advanced fertility treatments..
I honestly haven't heard of ANYONE who has coverage for IVF ... I could be wrong, but its one of those things that I've always heard of people paying out of pocket for
I am actually afraid to see what DH's insurance covers (if at all) for IUI, etc. I have a feeling its VERY BASIC, if anything at all
OH and I could be wrong Kim, so do not qoute me BUT I've heard that IVF starts at anywhere from $10-$15,000 ... and up 
Message edited 6/21/2005 10:38:48 AM.
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| Posted 6/21/05 10:38 AM |
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Susan
Loving Mommyhood!
Member since 5/05 2391 total posts
Name:
Susan
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Re: Insurance Coverage -- How Depressing !!!
I feel like I'm one of few that doesn't have insurance that covers IVF. So many of my friends and family members have gotten pg that way, all through insurance. It's very discouraging.
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| Posted 6/21/05 10:41 AM |
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LisaW
Time for me to FLY!
Member since 5/05 13199 total posts
Name:
Did I ever tell you that I hate people?
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Re: Insurance Coverage -- How Depressing !!!
Posted by FeliciaDP
I honestly haven't heard of ANYONE who has coverage for IVF ... I could be wrong, but its one of those things that I've always heard of people paying out of pocket for
OH and I could be wrong Kim, so do not qoute me BUT I've heard that IVF starts at anywhere from $10-$15,000 ... and up
My first 2 cycles were covered with Oxford, but then my DH's company switched carrier's 
So, the last 4 have been out of pocket. A regular IVF cycle is $8900. I do IVF with co culture, so it's been about $11,000 (I go to Cornell which is more $$) for the IVF, and of course I'm a poor responder so I need a lot of drugs, and that has run about $5000 or more a cycle
I don't even want to add that up...
Even though my ins co does not pay for IVF, to my surprise they did reimburse me for bloodwork and sono's, so I wind up getting a couple of thousand back each cycle...
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| Posted 6/21/05 10:45 AM |
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FeliciaDP
♥
Member since 5/05 18599 total posts
Name:
Mommy
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Re: Insurance Coverage -- How Depressing !!!
Posted by LisaW
Posted by FeliciaDP
I honestly haven't heard of ANYONE who has coverage for IVF ... I could be wrong, but its one of those things that I've always heard of people paying out of pocket for
OH and I could be wrong Kim, so do not qoute me BUT I've heard that IVF starts at anywhere from $10-$15,000 ... and up
My first 2 cycles were covered with Oxford, but then my DH's company switched carrier's
So, the last 4 have been out of pocket. A regular IVF cycle is $8900. I do IVF with co culture, so it's been about $11,000 (I go to Cornell which is more $$) for the IVF, and of course I'm a poor responder so I need a lot of drugs, and that has run about $5000 or more a cycle
I don't even want to add that up...
Even though my ins co does not pay for IVF, to my surprise they did reimburse me for bloodwork and sono's, so I wind up getting a couple of thousand back each cycle...
Lisa, thank you for the clarification... I didn't realize how it all "broke down." money-wise, throughout the entire IVF process.. (sorry for misquoting earlier  )
I pray for you so that your next in vitro is the one that 'works' and that the end of this process is near for you!!
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| Posted 6/21/05 10:52 AM |
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LisaW
Time for me to FLY!
Member since 5/05 13199 total posts
Name:
Did I ever tell you that I hate people?
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Re: Insurance Coverage -- How Depressing !!!
Posted by FeliciaDP
I pray for you so that your next in vitro is the one that 'works' and that the end of this process is near for you!!
Then pray for me today at about 5pm 
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| Posted 6/21/05 10:54 AM |
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FeliciaDP
♥
Member since 5/05 18599 total posts
Name:
Mommy
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Re: Insurance Coverage -- How Depressing !!!
Posted by LisaW
Posted by FeliciaDP
I pray for you so that your next in vitro is the one that 'works' and that the end of this process is near for you!!
Then pray for me today at about 5pm
Ooh GOOD LUCK !!! 
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| Posted 6/21/05 10:57 AM |
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Re: Insurance Coverage -- How Depressing !!!
When I first started going to the RE my insurance didn't cover anything so in 2 months we spent $5,000 for 2 months of IUI's, blood tests and sonograms. We had to wait until January when our new insurance kicked in.
My insurance (Aetna PPO) gives me $20,000 lifetime of infertility benefits so I can be covered for IVF. My copays are $15.
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| Posted 6/21/05 11:15 AM |
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luvsun27
Check out my cool glasses
Member since 5/05 8135 total posts
Name:
Kim
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Re: Insurance Coverage -- How Depressing !!!
Posted by LisaW
Then pray for me today at about 5pm
Good luck!!!!
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| Posted 6/21/05 12:02 PM |
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MrsJ
I love my Katie Bug
Member since 5/05 11357 total posts
Name:
Kathy
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Re: Insurance Coverage -- How Depressing !!!
Lisa !!!!!!!!!!
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| Posted 6/21/05 12:22 PM |
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Gertyrae
Peace out Homies!
Member since 5/05 20046 total posts
Name:
Gerty ®
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Re: Insurance Coverage -- How Depressing !!!
LISA...I wish you lot's of luck today....
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| Posted 6/21/05 1:18 PM |
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casey31
Mommy of 3!
Member since 5/05 2967 total posts
Name:
Mommy to two boys and a girl
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Re: Insurance Coverage -- How Depressing !!!
Posted by 2003fallwedding
My insurance (Aetna PPO) gives me $20,000 lifetime of infertility benefits so I can be covered for IVF. My copays are $15.
I have Aetna PPO too- I just found out that they cover "diagnosis and medical treatment for the condition" and then up to $5,000 per year for IVF or IUIs
Lisa Lots of luck and baby dust today!!
Message edited 6/21/2005 1:39:12 PM.
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| Posted 6/21/05 1:37 PM |
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LisaW
Time for me to FLY!
Member since 5/05 13199 total posts
Name:
Did I ever tell you that I hate people?
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Re: Insurance Coverage -- How Depressing !!!
Thanks girls!!! I'm off in a few minutes!! 
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| Posted 6/21/05 2:44 PM |
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