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chris
LIF Adult
Member since 10/05 1042 total posts
Name:
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insurance coverage
Does everyone find that most insurance companies do not have good coverage ( if any) when it comes to fertility treatments?
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Posted 8/3/06 4:28 PM |
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juju
Welcome to the World!
Member since 5/05 6747 total posts
Name:
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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!!
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Posted 8/3/06 4:42 PM |
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leighla
Support Cancer Research
Member since 5/05 16353 total posts
Name: Lauren
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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.
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Posted 8/3/06 4:46 PM |
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chris
LIF Adult
Member since 10/05 1042 total posts
Name:
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Re: insurance coverage
my isurance covers the diagnosis and 3 attemps at AI. No invitro.
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Posted 8/3/06 4:54 PM |
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Red
spring is in the air
Member since 11/05 2688 total posts
Name: helen
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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
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Posted 8/3/06 5:07 PM |
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LIBOUND
Texting king
Member since 10/05 5289 total posts
Name: Suzy
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Re: insurance coverage
Our insurance covers diagnosis, medications, and that's it. No iui, no ivf.
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Posted 8/3/06 6:27 PM |
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dm24angel
Happiness
Member since 5/05 34581 total posts
Name: Donna
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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.
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Posted 8/3/06 7:51 PM |
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michele31
LIF Adult
Member since 5/05 3372 total posts
Name: Michele
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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.
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Posted 8/3/06 8:04 PM |
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karacg
Babygirl is 4!
Member since 5/05 17076 total posts
Name: Kara®
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Re: insurance coverage
DH's insurance is an emloyer-managed plan and it actually covers diagnosis, but not treatment.
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 $".
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Posted 8/3/06 9:19 PM |
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chris
LIF Adult
Member since 10/05 1042 total posts
Name:
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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?
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Posted 8/3/06 9:55 PM |
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dm24angel
Happiness
Member since 5/05 34581 total posts
Name: Donna
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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
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Posted 8/3/06 10:15 PM |
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Sharon
So Big... So Fast!
Member since 5/05 2959 total posts
Name:
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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!
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Posted 8/5/06 10:26 AM |
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marganda
LIF Zygote
Member since 6/06 38 total posts
Name:
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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.
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Posted 8/5/06 11:07 AM |
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