Anyone from NJ on the board who has Horizon Blue Cross Blue Shield (HSA HMO access in particular)? DH's company is changing insurance to Horizon and we're trying to figure out what fertility coverage they have. It says on the "benefit highlights" that they require pre-approval for infertility coverage, but will cover 100% after deductible and copay. BUT, "Certain fertility services are excluded," and nowhere in the document does it list what these certain excluded services are (and apparently there isn't a plan book). Gah! I am so confused.
Just thought I might ask to see if anyone was familiar with how Horizon in NJ operates (while I wait for DH to find out more). I know I'm in a mandated state, but neither my or DH's company has 50 or more employees, so I'm not sure we qualify.