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julz33
i run for bacon
Member since 5/05 20584 total posts
Name:
julz
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Open Enrollment - Changing coverage for TTC???
DH and I have open enrollment in Nov for our benefits... I currently have my own health insurance through my job and he has his own through his job. I was just looking through his package and his company has this amazing infertility coverage, $35,000 a year! I don't think my company has anything, or if we do I don't see it listed anywhere. We are going to start TTC in 2007 so I was thinking we might need this (I have no reason to think we are infertile, except that I have been on the pill for years and am worried, so I would like to be prepared).
Does anyone know if the infertility coverage a company provides is seperate from health insurance?
Or will I have to enroll in his health insurance plan?
Or if it is seperate from the health insurance, if I am the one with an issue should it be covered?
I asked DH to look into this, but he thinks I am being negative... so hopefully someone on here might be able to provide some insight
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Posted 10/29/06 12:34 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: Open Enrollment - Changing coverage for TTC???
You will have to be on his plan if you need treatment
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| Posted 10/29/06 12:37 PM |
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julz33
i run for bacon
Member since 5/05 20584 total posts
Name:
julz
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Re: Open Enrollment - Changing coverage for TTC???
Posted by LisaW
You will have to be on his plan if you need treatment
so if there are a couple of health insurance plans to choose from, it doesn't matter which one I pick?
The infertility coverage is listed in a seperate section than the health insurance.
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| Posted 10/29/06 12:39 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: Open Enrollment - Changing coverage for TTC???
Posted by julz33
Posted by LisaW
You will have to be on his plan if you need treatment
so if there are a couple of health insurance plans to choose from, it doesn't matter which one I pick?
The infertility coverage is listed in a seperate section than the health insurance.
Ahhhh, his company may have a separate rider for IF...wow, that is a huge perk.
Where is Dm4angel? This is her forte...
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| Posted 10/29/06 12:43 PM |
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julz33
i run for bacon
Member since 5/05 20584 total posts
Name:
julz
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Re: Open Enrollment - Changing coverage for TTC???
Posted by LisaW
Posted by julz33
Posted by LisaW
You will have to be on his plan if you need treatment
so if there are a couple of health insurance plans to choose from, it doesn't matter which one I pick?
The infertility coverage is listed in a seperate section than the health insurance.
Ahhhh, his company may have a separate rider for IF...wow, that is a huge perk.
Where is Dm4angel? This is her forte...
Nevermind my last question... I was just reading through it again and it say on the bottom: "This applies to all 4 national plans." So, yes, I do have to sign up for one of their health plans but it can be any one.
Sorry for all the silly questions... this is new to me and DH thinks I am being a worry-wart so he is no help.
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| Posted 10/29/06 12:46 PM |
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Re: Open Enrollment - Changing coverage for TTC???
I'd switch if I were in your shoes, but mostly because I have some factors that may lead to infertility issues (age, for one thing). If I were younger, I'd wait and see, maybe switch next year.
Message edited 10/29/2006 2:33:56 PM.
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| Posted 10/29/06 2:33 PM |
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BabyFever
LIF Adult
Member since 8/06 1050 total posts
Name:
XXXXXXXXXX
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Re: Open Enrollment - Changing coverage for TTC???
I am starting a new job soon and i was thinking about checking out the same thing. Both DH and I will be using my insurance. I am trying to get the company to send me the benefits information but they need to wait until they do all my pre employment stuff first.
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| Posted 10/29/06 2:41 PM |
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Goldi0218
My miracles!
Member since 12/05 23902 total posts
Name:
Leslie
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Re: Open Enrollment - Changing coverage for TTC???
Posted by julz33
We are going to start TTC in 2007 so I was thinking we might need this (I have no reason to think we are infertile, except that I have been on the pill for years and am worried, so I would like to be prepared).
Many of us have been on BCPs for a long time - myself, 15 years. My doctor told me that my being on birth control for that amount of years would not have any effect on my ability to conceive. Believe me when I tell you I asked him about one trillion times before he and DH told me "enough already." I think there are some ladies here with recent BFPs who were on the pill for a long period of time too.
If you find out that your current provider does not have the infertility coverage that would make you feel better, then by all means switch. I asked women in my agency who used fertility treatments of many kinds what our insurance covered. I am fortunate in that it covers more than I thought it would. Hopefully, we won't need it.
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| Posted 10/29/06 3:01 PM |
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Lillykat
going along for the ride...
Member since 5/05 16253 total posts
Name:
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Re: Open Enrollment - Changing coverage for TTC???
I can't help with the insurance end - but I have PCOS and I was on BCP for 10 years and went off a year ago - I was concerned about the BCP and the PCOS - and with great luck we hit it our first month trying when my doctors told me we would need help and to only try for 3 months then see the RE. So one never really knows until you start trying.
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| Posted 10/29/06 5:27 PM |
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cheshe
LIF Adolescent
Member since 6/06 738 total posts
Name:
Cheryl
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Re: Open Enrollment - Changing coverage for TTC???
Since you are only going to start TTC in 2007. I would wait until next year to go under Dh's insurance. By then you would know if there were any problems.
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| Posted 10/29/06 6:03 PM |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: Open Enrollment - Changing coverage for TTC???
Posted by Goldi0218
Posted by julz33
We are going to start TTC in 2007 so I was thinking we might need this (I have no reason to think we are infertile, except that I have been on the pill for years and am worried, so I would like to be prepared).
Many of us have been on BCPs for a long time - myself, 15 years. My doctor told me that my being on birth control for that amount of years would not have any effect on my ability to conceive. Believe me when I tell you I asked him about one trillion times before he and DH told me "enough already." I think there are some ladies here with recent BFPs who were on the pill for a long period of time too.
If you find out that your current provider does not have the infertility coverage that would make you feel better, then by all means switch. I asked women in my agency who used fertility treatments of many kinds what our insurance covered. I am fortunate in that it covers more than I thought it would. Hopefully, we won't need it.
I was on the pill for over 10 years and I got my BFP after 2 months off of it.....
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| Posted 10/30/06 1:45 PM |
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Mrs
LIF Adult
Member since 6/05 1652 total posts
Name:
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Re: Open Enrollment - Changing coverage for TTC???
Since you are under 35, the doctors will want you to try for a year before doing anything with infertility.
so.. since you'll have a year to try i dont think you should get it now, you can get it next year if you'll need it.
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| Posted 10/30/06 4:33 PM |
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