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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Supplemenatal Insurance
All:
If anyone has any details on an insurance company that covers IF meds (particularly injectables) that you could post or FM me, I would appreciate it.
We both have coverage, but mine doesn't cover fertility meds of any kind. Boosh is looking to see if hers does.
We could cover it OOP for a little while, but it would be tight, so if there is a way to streamline it, that would be awesome.
This would be something like "cobra" I would think.
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Posted 8/7/06 1:00 PM  |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
and if anyone knows anything about the oxford freedom plan in regards to IF, that would be great
i.e. what is covered vs. what is not
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| Posted 8/7/06 1:24 PM |
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Donna
1 year already!!
Member since 5/05 3360 total posts
Name:
Donna
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Re: Supplemenatal Insurance
this is something I've come across in my research but not sure if it's legit or not
maternity card
scroll down to the last plan
as for meds depending on your insurance you may be covered for more than you think - definitely work with a pharmacy specializing in IF drugs. In Manhattan I used Metro drugs but there are many online also.
also the pharmacy can sign you up for prescription RX (I think that's the name) and it's a free discount plan you can be part of. I've also thought it best to call around, some of my meds varied in price at different places.
also ask your RE/nurse, many couples donate unused meds, it's good karma.
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| Posted 8/7/06 1:25 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
thanks 
we are seeing dr. chiu next week, so we'll come up with a plan but this is good to know
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| Posted 8/7/06 1:32 PM |
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karacg
Babygirl is 4!
Member since 5/05 17076 total posts
Name:
Kara®
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Re: Supplemenatal Insurance
I have been told by freedom pharmacy that I am covered - but until my insurance company confirms it in writing I won't believe it. In the meantime note that there is a website www.ivfmeds.com , where you can buy from the UK at a cheaper price. Also http://www.freegaragesale.com/medical.htm
I would suggest you each consult with the benefits manager in your own HR departments since they should have the most accurate and complete info. According to my insurance web site we were covered, but since it is managed care, turns out we weren't. You need to be a rocket scientist but I say, the generalist is getting paid to figure this stuff out for you.
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| Posted 8/7/06 1:38 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
already spoke to my company and they do not cover ANYTHING to do with fertility
boosh's company does cover it, but only if the company wants it. Since her company is small with older people, they elected not to have it
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| Posted 8/7/06 1:40 PM |
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dm24angel
Happiness
Member since 5/05 34581 total posts
Name:
Donna
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Re: Supplemenatal Insurance
If you have medication coverage in general you should be covered under the NYS mandate for IF treatments ( med and IUIS) unless you work for a union, federally funded company or company with less then 50 employees.
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| Posted 8/7/06 2:13 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
Posted by dm24angel
If you have medication coverage in general you should be covered under the NYS mandate for IF treatments ( med and IUIS) unless you work for a union, federally funded company or company with less then 50 employees.
my company is in private industry and they cover nothing under fertility - i asked already
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| Posted 8/7/06 2:15 PM |
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dm24angel
Happiness
Member since 5/05 34581 total posts
Name:
Donna
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Re: Supplemenatal Insurance
Posted by CaptainCharisma424
Posted by dm24angel
If you have medication coverage in general you should be covered under the NYS mandate for IF treatments ( med and IUIS) unless you work for a union, federally funded company or company with less then 50 employees.
my company is in private industry and they cover nothing under fertility - i asked already
private industry is NOT excluded from the law. I think they may be misinformed. Call your insurance carrier and ask specifically if you are covered under the NYS infertility mandate and if you are excluded...for what reason.
I have been in insurance for a long time and the only exceptions are companies based outside of ny, unions, federally funded companies and catholic charities or groups under 50.
Your HR person is not going to know as much as the insurance company does.
If you are covered by any insurance for the NSUH visit ( which they always bill as diagnosis of infertility) then you are covered under the mandate . this is of course if you get your regualr RX coverage thru that same insurer.
eta- most comapnies when you ask about "fertility" , they automatically assume you mean the "rider" which is a seperate package purchased to cover IVF( and very expensive) .
Message edited 8/7/2006 2:21:11 PM.
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| Posted 8/7/06 2:19 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
Posted by dm24angel
Posted by CaptainCharisma424
Posted by dm24angel
If you have medication coverage in general you should be covered under the NYS mandate for IF treatments ( med and IUIS) unless you work for a union, federally funded company or company with less then 50 employees.
my company is in private industry and they cover nothing under fertility - i asked already
private industry is NOT excluded from the law. I think they may be misinformed. Call your insurance carrier and ask specifically if you are covered under the NYS infertility mandate and if you are excluded...for what reason.
I have been in insurance for a long time and the only exceptions are companies based outside of ny, unions, federally funded companies and catholic charities or groups under 50.
Your HR person is not going to know as much as the insurance company does.
If you are covered by any insurance for the NSUH visit ( which they always bill as diagnosis of infertility) then you are covered under the mandate . this is of course if you get your regualr RX coverage thru that same insurer.
the NSUH billers called cigna and they said no...i don't even know what to ask
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| Posted 8/7/06 2:21 PM |
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dm24angel
Happiness
Member since 5/05 34581 total posts
Name:
Donna
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Re: Supplemenatal Insurance
somethings not right in my honest opinion.
I would keep asking. It doesnt sound right at all.
I would call the insurance myself and ask. Am I covered under the nys infertility mandate. Flat out.
Before paying OOP for it. My injectables ran me around $4K a month, you shouldnt have to pay that.
You really have to fight to get the right answers unfortunatly. 
ETA_ but my insuarance covered my injectables.....
Message edited 8/7/2006 10:12:40 PM.
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| Posted 8/7/06 2:25 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
Posted by dm24angel
somethings not right in my honest opinion.
I would keep asking. It doesnt sound right at all.
I would call the insurance myself and ask. Am I covered under the nys infertility mandate. Flat out.
Before paying OOP for it. My injectables ran me around $4K a month, you shouldnt have to pay that.
You really have to fight to get the right answers unfortunatly.
yeah, let me see what i can find out
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| Posted 8/7/06 2:26 PM |
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michele31
LIF Adult
Member since 5/05 3372 total posts
Name:
Michele
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Re: Supplemenatal Insurance
Ask for a supervisor..sometimes the first person answering the phone doesn't know the right answers I have found.
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| Posted 8/7/06 3:18 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
thanks all, i have a meeting set up with HR . .i will bring up the mandate point blank
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| Posted 8/7/06 3:33 PM |
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bayla
Love my two kiddos :)
Member since 8/06 7178 total posts
Name:
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Re: Supplemenatal Insurance
i just spoke with our insur (cigna- HMO) and they told me they cover artificial insemination (although we would have to pay $200 for the co-pay out of pocket) and fertility drugs which are pills (clomid, etc). they do NOT cover injectibles or IVF
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| Posted 8/7/06 4:08 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
and in regards to the NY State Mandate
i checked it out and it doesn't apply to us because our headquarters is in STL.
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| Posted 8/7/06 5:16 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: Supplemenatal Insurance
I use Schrafts Pharmacy...Nothing is covered for me either (Dh's company elected not to have fertility coverage).
If you go to DesignRX.com and sign up you will get a discount on certain drugs.
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| Posted 8/7/06 5:34 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
Posted by LisaW
I use Schrafts Pharmacy...Nothing is covered for me either (Dh's company elected not to have fertility coverage).
If you go to DesignRX.com and sign up you will get a discount on certain drugs.
what about injectables
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| Posted 8/7/06 5:37 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: Supplemenatal Insurance
Posted by CaptainCharisma424
Posted by LisaW
I use Schrafts Pharmacy...Nothing is covered for me either (Dh's company elected not to have fertility coverage).
If you go to DesignRX.com and sign up you will get a discount on certain drugs.
what about injectables
Yes, the discount is for certain injectibles...I believe its for Follistim. I can't remember exactly how much, but it was a nice discount.
Schrafts aslo has some "club" you can join for $12 a year that gives you a small additional discount, and with what I am going through it paid off.
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| Posted 8/7/06 5:40 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
Posted by LisaW
Posted by CaptainCharisma424
Posted by LisaW
I use Schrafts Pharmacy...Nothing is covered for me either (Dh's company elected not to have fertility coverage).
If you go to DesignRX.com and sign up you will get a discount on certain drugs.
what about injectables
Yes, the discount is for certain injectibles...I believe its for Follistim. I can't remember exactly how much, but it was a nice discount.
Schrafts aslo has some "club" you can join for $12 a year that gives you a small additional discount, and with what I am going through it paid off.
very nice, we will check it out
i know she is taking folliism as one of them
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| Posted 8/7/06 5:44 PM |
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Gertyrae
Peace out Homies!
Member since 5/05 20046 total posts
Name:
Gerty ®
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Re: Supplemenatal Insurance
She should also call her company's insurance. My boss didn't think we had fertility coverage, but when I called Empire I had unlimited IUI's and a percentage off of the drugs when I ordered them through Freedom...no discount at all if I bought them locally, which I had to do a couple of times.
Apparently, NYS insurance companies have to do some sort of infertility coverage - either IUI's or IVF - I only stopped the IUI's cuz I couldn't afford the copays ($50) every other day.
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| Posted 8/7/06 5:51 PM |
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QuoteTheRaven424
22 Months?!!!!
Member since 5/05 13659 total posts
Name:
And If That Isn't A True Blue Miracle
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Re: Supplemenatal Insurance
thanks all for your responses
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| Posted 8/7/06 5:55 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: Supplemenatal Insurance
Whoops, just letting you know its DesignRX.net not .com
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| Posted 8/7/06 8:36 PM |
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dooodles
When you wish upon a star
Member since 5/05 11997 total posts
Name:
Because 2 people fell in love
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Re: Supplemenatal Insurance
I hope you & Boosh are able to find some assistance so I can be an Auntie!!!
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| Posted 8/7/06 8:56 PM |
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