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Which has better IF coverage GHI or Empire?...Thanks I called and got the answer
I am thinking of switching to Empire but I am not sure
Thanks
Message edited 10/27/2008 2:48:17 PM.
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Posted 10/27/08 8:40 AM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
WNA01
my 2 boys
Member since 10/08 4240 total posts
Name:
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Re: Which has better IF coverage GHI or Empire?
i dont know much about empire but i do have ghi. i was thinking the same thing and asked the women at the re office if i should switch over to Aetna or some other insurances my dh has from work.. she looked over my plans and told me to stick with ghi bc if i do need ivf it will cover more (about 75 or 85% i dont remember)
I would ask the office u go to and see what ur out of pocket expenses would be if u were going for ivf or iui...
sorry couldnt help u out more
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| Posted 10/27/08 8:47 AM |
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Kissy331
My two miracles!
Member since 5/06 17826 total posts
Name:
Kristen
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Re: Which has better IF coverage GHI or Empire?
I don't have either plans but I wanted to tell you that you have to look at the specifics for each plan to know which is best. It is up to your "employer" to pick the coverage you receive under each plan.
So one could have better coverage on GHI then Empire then you or vice versa. We found that calling the insurance companies & get all the specifics was the best option.
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| Posted 10/27/08 8:57 AM |
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MrsRbk
<3 <3 <3 <3
Member since 1/06 19197 total posts
Name:
Michelle
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Re: Which has better IF coverage GHI or Empire?
Posted by Kissy331
I don't have either plans but I wanted to tell you that you have to look at the specifics for each plan to know which is best. It is up to your "employer" to pick the coverage you receive under each plan.
So one could have better coverage on GHI then Empire then you or vice versa. We found that calling the insurance companies & get all the specifics was the best option.
Exactly!
I have a friend that has the same insurance carrier as I do, and while I have full IF coverage (3 IVF cycles), she only has diagnostic testing.
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| Posted 10/27/08 9:24 AM |
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mishmosh
That's all I got.
Member since 7/06 1452 total posts
Name:
Michelle
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Re: Which has better IF coverage GHI or Empire?
I have Empire gov't employee. If I go to what they call a "Center of Excellence", I pay nothing. I know LIIVF is one of those "centers" and possibly cornell. I get $50K lifetime for IVF. Each IVF ends up taking about $7-8K from that pool. The monitoring, meds, and some other things come out of regular insurance. It's amazing.
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| Posted 10/27/08 9:46 AM |
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Re: Which has better IF coverage GHI or Empire?
Just called GHI
with IVF they pay 75% of it also 75% of FET
Assisted Hatching
Unlimited IUIs
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| Posted 10/27/08 9:57 AM |
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Reese32
LIF Adult
Member since 7/07 3631 total posts
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Re: Which has better IF coverage GHI or Empire?
Posted by mishmosh
I have Empire gov't employee. If I go to what they call a "Center of Excellence", I pay nothing. I know LIIVF is one of those "centers" and possibly cornell. I get $50K lifetime for IVF. Each IVF ends up taking about $7-8K from that pool. The monitoring, meds, and some other things come out of regular insurance. It's amazing.
My DH is a gov't employee, and we have Empire with all of the above benefits as well. Cornell is one of their "Centers of Excellence;" it's where we go.
Check each plan's benefits - the definitely vary by company.
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| Posted 10/27/08 2:43 PM |
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Re: Which has better IF coverage GHI or Empire?
Posted by Reese32
Posted by mishmosh
I have Empire gov't employee. If I go to what they call a "Center of Excellence", I pay nothing. I know LIIVF is one of those "centers" and possibly cornell. I get $50K lifetime for IVF. Each IVF ends up taking about $7-8K from that pool. The monitoring, meds, and some other things come out of regular insurance. It's amazing.
My DH is a gov't employee, and we have Empire with all of the above benefits as well. Cornell is one of their "Centers of Excellence;" it's where we go.
Check each plan's benefits - the definitely vary by company.
I just called Empire and where I work diagnosis and IUI are the ONLY things covered! If I wanted IVF that would NOT be covered...so that solves that! Thank God I called
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| Posted 10/27/08 2:46 PM |
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