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SecretTTCer
LIF Adult
Member since 6/08 2284 total posts
Name:
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Does the insurance company count a FET as one cycle?
My insurance entitles me to three IVFs per year. I have done two fresh cycles. My second cycle has produced two frozen embryos. Will my insurance company count that as my third and final cycle for the year? Obviously, I would rather use my third on another fresh cycle since it is more expensive.
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Posted 7/29/09 7:35 AM  |
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MrsRbk
<3 <3 <3 <3
Member since 1/06 19197 total posts
Name:
Michelle
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Re: Does the insurance company count a FET as one cycle?
Yup... FET is included in that 3 your insurance covers.
You have great insurance though that it covers 3 per year! Mine covers 3 LIFETIME attempts. I have 1 left. We are going to pay out of pocket for the FET and hold onto the one remaining attempt I have if we have to do a fresh cycle.
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| Posted 7/29/09 9:35 AM |
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MetsGirl07
LIF O2 Vendor
Member since 12/07 16202 total posts
Name:
Deanna
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Re: Does the insurance company count a FET as one cycle?
my FET's are completely seperate from the 3 IVF cycles. they are always covered. . and the 3 IVF cycles are fresh
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| Posted 7/29/09 11:04 AM |
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SecretTTCer
LIF Adult
Member since 6/08 2284 total posts
Name:
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Re: Does the insurance company count a FET as one cycle?
Posted by MetsGirl07
my FET's are completely seperate from the 3 IVF cycles. they are always covered. . and the 3 IVF cycles are fresh
I guess I have to call and check. How much is the FET costing you out of pocket? Does the insurance cover the meds? I have no lifetime max.
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| Posted 7/29/09 11:05 AM |
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MetsGirl07
LIF O2 Vendor
Member since 12/07 16202 total posts
Name:
Deanna
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Re: Does the insurance company count a FET as one cycle?
Posted by SecretTTCer
Posted by MetsGirl07
my FET's are completely seperate from the 3 IVF cycles. they are always covered. . and the 3 IVF cycles are fresh
I guess I have to call and check. How much is the FET costing you out of pocket? Does the insurance cover the meds? I have no lifetime max.
yea i would definitely call to make sure.. every insurance is different. with my RE they gave me a sheet of what is covered and not covered.
all my meds are covered ..no max .
and my FET's would be just my copay.
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| Posted 7/29/09 11:07 AM |
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shiv
Twinsanity!!
Member since 5/07 4747 total posts
Name:
Shiv
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Re: Does the insurance company count a FET as one cycle?
Posted by MetsGirl07
my FET's are completely seperate from the 3 IVF cycles. they are always covered. . and the 3 IVF cycles are fresh
Hey D, I remember we both have UHC. I thought IVF and FET count towards the lifetime 3.
Did you find this out about the unlimeted FET's through UHC or your doctor? I should ask- that would be awesome if it's true for me too!!!!!
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| Posted 7/29/09 12:06 PM |
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SecretTTCer
LIF Adult
Member since 6/08 2284 total posts
Name:
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Re: Does the insurance company count a FET as one cycle?
I just called my insurance company and they said that they don't know. They said that they will call me back. They also never received my claim to refund my out-of-pocket expenses for the PGD. 
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| Posted 7/29/09 12:08 PM |
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MrsRbk
<3 <3 <3 <3
Member since 1/06 19197 total posts
Name:
Michelle
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Re: Does the insurance company count a FET as one cycle?
Posted by shiv
Posted by MetsGirl07
my FET's are completely seperate from the 3 IVF cycles. they are always covered. . and the 3 IVF cycles are fresh
Hey D, I remember we both have UHC. I thought IVF and FET count towards the lifetime 3.
Did you find this out about the unlimeted FET's through UHC or your doctor? I should ask- that would be awesome if it's true for me too!!!!!
Shiv - I would call your insurance company. It's up to who funds the insurance policy what and how things are covered.
I know someone that has the same exact insurance as I do, but IF treatments are not covered for her, but were for me.
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| Posted 7/29/09 12:10 PM |
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MetsGirl07
LIF O2 Vendor
Member since 12/07 16202 total posts
Name:
Deanna
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Re: Does the insurance company count a FET as one cycle?
Posted by shiv
Posted by MetsGirl07
my FET's are completely seperate from the 3 IVF cycles. they are always covered. . and the 3 IVF cycles are fresh
Hey D, I remember we both have UHC. I thought IVF and FET count towards the lifetime 3.
Did you find this out about the unlimeted FET's through UHC or your doctor? I should ask- that would be awesome if it's true for me too!!!!!
yea luckily my FET's dont count towards the lifetime of 3 IVF's.
i found out through my insurance AND my RE's office.. when they gave me a list of what is covered and not covered.
so you can double check with both.
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| Posted 7/29/09 12:58 PM |
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