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insurance coverage

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chris
LIF Adult

Member since 10/05

1042 total posts

Name:

insurance coverage

Does everyone find that most insurance companies do not have good coverage ( if any) when it comes to fertility treatments?

Posted 8/3/06 4:28 PM
 
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juju
Welcome to the World!

Member since 5/05

6747 total posts

Name:

Re: insurance coverage

my old insurance covered it (but i didnt know i needed IVF at the time). Our insurance now does not cover IVF!!Chat Icon

Posted 8/3/06 4:42 PM
 

leighla
Support Cancer Research

Member since 5/05

16353 total posts

Name:
Lauren

Re: insurance coverage

I spent yesterday afternoon going over all 10 benefits plans my company offers.

Only 2 of the 10 cover IVF at all (the highest options). And for each of them there is only one attempt per lifetime.

I know that's BETTER than a lot of plans, but it's still kind of sucky. Chat Icon

Posted 8/3/06 4:46 PM
 

chris
LIF Adult

Member since 10/05

1042 total posts

Name:

Re: insurance coverage

my isurance covers the diagnosis and 3 attemps at AI. No invitro.

Posted 8/3/06 4:54 PM
 

Red
spring is in the air

Member since 11/05

2688 total posts

Name:
helen

Re: insurance coverage

I never really considered us lucky, but it seems we are - we have Cigna and althouigh they have a lot of paperwork and are very slow, they cover 3 or 4 IVFs

Posted 8/3/06 5:07 PM
 

LIBOUND
Texting king

Member since 10/05

5289 total posts

Name:
Suzy

Re: insurance coverage

Our insurance covers diagnosis, medications, and that's it. No iui, no ivf.

Posted 8/3/06 6:27 PM
 

dm24angel
Happiness

Member since 5/05

34581 total posts

Name:
Donna

Re: insurance coverage

As always, I will point out it has nothing to do with what insurance company you use. It all depends on what coverage for IF your EMPLOYER choose to have.

I work for EMpire BCBS and we have plans that pffer everything from no coverage to up to 3 IVFS a year. Depends what the employer buys. It goes the same way with all insurance companies, which is why people change jobs to get coverage. I work for Empire and have no IF coverage but am looking at jobs that offer Empire with good IVF coverage.

Those of us who have nothing , WISH we had even a penny covered, Im very jealous of some of the ladies on here, as silly as that sounds, becuase the financial stress just adds sooo much more to it all.

Posted 8/3/06 7:51 PM
 

michele31
LIF Adult

Member since 5/05

3372 total posts

Name:
Michele

Re: insurance coverage

I am not sure..but can you speak to your HR benefits dept? If enough women requested IUI/IVF coverage perhaps they would purchase the needed coverage. I mean, no business wants to lose a good employee over IVF coverage.

Posted 8/3/06 8:04 PM
 

karacg
Babygirl is 4!

Member since 5/05

17076 total posts

Name:
Kara®

Re: insurance coverage

DH's insurance is an emloyer-managed plan and it actually covers diagnosis, but not treatment. Chat Icon

Can you imagine, for example "Oh OK you have cancer - but we will not pay for any of the treatments". That is outrageous, right? Well that's what we get - "yes youa re infertile, now goodbye and good luck, hope you have tons of $".

Posted 8/3/06 9:19 PM
 

chris
LIF Adult

Member since 10/05

1042 total posts

Name:

Re: insurance coverage

I am shocked by how little fertility treatments are not covered under insurance. How then do people afford to do invitro or AI?

Posted 8/3/06 9:55 PM
 

dm24angel
Happiness

Member since 5/05

34581 total posts

Name:
Donna

Re: insurance coverage

Posted by chris

I am shocked by how little fertility treatments are not covered under insurance. How then do people afford to do invitro or AI?



beg steal and borrow

Posted 8/3/06 10:15 PM
 

Sharon
So Big... So Fast!

Member since 5/05

2959 total posts

Name:

Re: insurance coverage

My DH has coverage through NYS Court System. They pay up to $50,000 for Infertility. Boy, was i lucky I married him!

Posted 8/5/06 10:26 AM
 

marganda
LIF Zygote

Member since 6/06

38 total posts

Name:

Re: insurance coverage

MY DH's insurance doesn't cover infertility. Insurance through my employer has 10K lifetime limit on fertility treatment such as IUI, IVF. Diagnostics doesn't have a limit. I was surprised to find out that fertility medications are not covered. I went to HR bc how they can cover treatments without medications for them and got my money back.
10K is not much, but better then nothing.

Posted 8/5/06 11:07 AM
 
 

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Insurance coverage ? Jillybean28 2/2/06 12 Infertility
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Petition for Insurance Coverage for Infertility DebG 8/2/05 10 Infertility
Insurance Coverage -- How Depressing !!! MayDay16 6/20/05 19 TTC
TTC and Insurance coverage Donna 5/11/05 13 TTC
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