Blue Cross/Blue Shield of IL — The Bump
Infertility

Blue Cross/Blue Shield of IL

Hi there! Thinking of switching to this insurance in case we have to do another IVF cycle. It's a PPO plan, if that helps. Does anyone here have this insurance? If so, what is the fertility coverage like? Or, do you think it's possible to call them and ask even if I'm not on their plan yet?

Thank you!
Me: 32, Hubs: 36
Married: September 2013
TTC since April 2014, Dx: MFI
DH started Clomid Oct 2015
April-June 2016- 3 IUIs: All BFN
July 2016- IVF #1: 16 eggs ->1 PGS-normal embryo
Sept 2016- single FET #1: BFN
Nov 2016- IVF #2 16 eggs -> 3 PGS-normal embryos
Jan 2017- single FET #2: BFN
Feb 2017- endometrial scratch
March 2017- FET #3 (double transfer): BFP!
   Beta #1: 386 (9dp5dt), Beta #2: 1,960 (12dp5dt)
   Pregnant with: Triplets Twins Singleton
   It's a GIRL! :)
   EDD: November 16, 2017
   Dx w/ preeclampsia: Updated delivery date: 10/4/17
<3 Hazel Summerlyn <3
Find me on the IG

BabyFruit Ticker

Re: Blue Cross/Blue Shield of IL

  • I'm not on that plan (or in IL) but you should be able to call them and ask or they can send you information. If it's through your employer, you can also ask HR for information, they should have brochures of each plan they provide with the information - at least mine does.
  • I live in Ohio and have Anthem BC/BS PPO and it doesn't cover IVF or some of my IUI. They cover the diagnosis of my IF, but not the treatment. 

    It never hurts to call them. Hopefully it's it's different in IL!
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  • @LeFemmeViolette. I have BCBSIL. I have a PPO plan with $2600 deductible. So after we met the deductible, we just pay 20% out of pocket for all IF stuff. I think it's a law in IL that if the insurance company covers maternity care, they have to cover IF. I haven't done IVF but I have a friend who also had BCBSIL and it was covered with just whatever your percentage is to pay. 
    Me: 33 DH: 31
    DS: 5 years old
    TTC #2 since August 2015
    July 2016: Testing cycle with 100 mg Clomid = BFN
    August 2016: 50 mg Clomid + IUI = BFN
    October 2016: IVF#1 - 13 retrieved / 12 mature /  9 fertilized / 2 blasts
    November 2016: FET#1 = chemical
    January 2017: FET#2 = chemical
    March 2017: IVF#2 - 18 retrieved / 18 mature / 16 fertilized / 5 blasts
    April 24, 2017: FET#3 - BFN
    May 24, 2017: FET#4 - BFP! - Beta #1 151 - Beta #2 503 - Due date 2/9/18
    Baby Birthday Ticker Ticker
    LeFemmeViolette
  • I have BCBSIL. I'm covered at 90%, 100% once I reached the deductible of $1000. Also no copays and just completed my 3rd FET. IL does have a state law mandating IVF coverage. The only thing they won't cover is cryo, so expect to have some out of pocket if you freeze anything. Best of luck!
    *TW* Pregnancy/Loss Mentioned
    Me: 37 /PCOS DH: 37/no issues TTC: 7/13
    Started with RE 12/14; 3 failed rounds of clomid, started letrozole
    IUI #1 & #2- BFN
    IVF #1 - 9/15 Cancelled Day 9
    IVF #2- started stims 10/24  ER- 11/15 6 eggs- 5 fertilized/ 1 frozen
    FET #1 -1 embryo-12/9/15- BFN
    IVF #3- started stims 1/22/16  ER- 2/8 33 eggs(!)- 21 mature, all 21 fertilized - 6 snowflakes!
    FET #2- 2 embryos- April 4th-BFN
    ERA-June 8- results show need 12 addt'l hours of PIO
    FET #3-  2 embryos transferred August 14,2016  BFP! on 8/24! Beta #1-22  Beta #2-83 Beta #3-368 
    Confirmed singleton-Heartbeat on 9/19-160bpm! EDD: May 1, 2017, It's a girl!!
    Pre-term labor/loss-stillborn at 18w. 
    FET #4- 1 embryo-Aug 12th-BFP on 8/23 Beta #1-112 Beta #2-298 Beta #3-1010
    Confirmed Identicals!- Heartbeats seen on 9/8  Miscarriage on 9/18
    FET #5- 1 embryo- 1/12/18-BFN
    Lots of testing and finally determined I have elevated natural killer cells. Will begin prednisone and IVL treatment before next round.
    IVF#4- April 2018 8 eggs, 7 fertilized/3 frozen
    FET #6- 1 embryo- 6/11/18- BFP on 6/21 Beta #1-446, Beta #2-1841 
    Confirmed singleton- 6/29/18 HB-157 EDD: February 22, 2019. It's a Boy!



    BabyFruit Ticker 
  • I have BCBS of MA, bc I use my DH's insurance

    BUT my company has BCBS of IL PPO, and ITS GREAT and covered everything for my boss who went through IVF! 

    What you might want to check is whether or not they ask for pre-authorization before procedures. BCBS of MA does. 

    BCBS doesnt have an IUI minimum either which is nice + they cover ICSI if needed.  

    For meds we only paid 160 out of pocket. Only downside is the minivelle patches, my Dr requested 36 and they only give 8 at a time so thats a pain bc they are 20+ per patch and I wear 2 at a time 
    Me: 34 DH: 43
    Married March 2012
    TTC #1 since 2012
    Dx: unexplained infertility (+ treated for hypothyroidism)
    May 7, 2016: IUI#1 w/Clomid - BFN :'(
    June 6, 2016: IUI #2 w/Clomid - BFN :'(
    IVF Consult 1 & 2: June 10, 2016 / July 15, 2016 
    Started Stims: July 15, 2016 (Lupron, Gonal-F, and Menopur)
    Trigger ----> 08/03 ----> ER on 08/05 ----> Transfer ------> 08/10
    BETA 1 (8/22) - 401  - BETA 2 (8/24) - 541 - BETA 3 (8/26) - 913
    Baby Chadwell's First U/S: 09/06/2016 / EDD: 04/28/2017
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