Found out my IF coverage on my insurance...

dondraandluis

I called my insurance today to see what was covered. They cover all the tests and diagnostics to find out what is causing my infertility but no IVF or IUIs or anything that assists in getting pg I hope none of those are needed because I don't know that we can afford IVF or even IUI (not sure how expensive this is.)

Scout05

Well, I am glad they cover the testing (we have spent THOUSANDS oop on the tests alone) but that is really sucky that they won't cover IUI at least.

IVF doesn't surprise me, but IUI does. I really hope those are not neccessary and the tests show nothing that can't be easily corrected.

ade2be

That stinks.  But I hope you don't need it.

One thing you may want to clarify....when I did my IUI, I found that most of the IUI procedure was actually labeled by insurance as diagnostic.  So all of my ultrasounds to check follicies and bloodwork were diagnostic.  The only portion of the IUI that I had to pay for was the actual spinning of the sperm and the procedure itself.  I think I ended up with $200 or something in that cycle.

jdeats71

My insurance only covers testing (and not all tests) and blood work......nothing else.  We have been totally OOP for our IUIs and it sucks.  IUIs are much less expensive than IVF - at least where I live.

I'm sorry - IF sucks.

EntropicEpona

That's kind of sucky, but at least they cover something! Ours is a certain amount lifetime maximum, and that includes all the diagnostics. It doesn't go far at all.

I think that, in the world of IF, IUIs are pretty reasonable, cost-wise. Definitely moreso than IVF. But I really hope you don't need either.

rjl07

Sounds like the same as my coverage.  My IUI's haven't been that bad because insurance has covered all of the u/s and b/w - even when I went every other day on injectibles.  So I just paid for the actual procedure which was $455 and the meds.  You might want to confirm what code you need for that just in case.  I think mine is always just marked unexplained IF so that means those tests are still diagnostic. 

dondraandluis

Hopefully none are needed but if so hopefully my insurance will be the same as the ones who said that u/s and b/w and stuff were covered at least. We would be able to do that! Thanks ladies!

BeachCole

I'm glad that it covers all your testing, and I really hope you don't need the procedures. And just to put it out there if you do need it, the place they sent us in Austin was around 150-200 for a washed, unmedicated IUI. They also did a payment plan option, but again I hope you don't need it!

jcath

Mine is the same way.  And as I discovered yesterday even though they covered my HSG there was a $250 co-pay b/c its considered outpatient surgery.

I hope your tests come back fine or even better you get k/u before then   My only thoughts are that I've seen a huge variability on the costs of IUIs on this board so it might pay to price shop.  I'm doing one this month that will be about $1500-$2000, I've seen others say the whole thing was $750 to $1000

babes12

that's so weird they'll cover testing to find out whats causing infertility but won't assist you in treatments??  ugh.  i'm sorry.  hopefully like you said it won't be needed. 

AppleRidge

That's really similar to mine.  I wish they'd help you out on the getting pregnant part, but the diagnostics are half the battle (and pretty damn expensive in their own right).  Now I just hope they don't go all douchetastic on you and actually pay for the stuff they say they do.  GL!

3ltlones

I'm sorry they don't cover the IUI and IVF, but hopefully you won't need that.  IT's great they cover the testing, alot of that stuff can run alot of money.

SweetieD21

My insurance also covers diagnostic testing, but no actual infertility meds or treatments.  But, we've had a nice surprise, my insurance has covered all the ultrasounds for my IUI's!  I'm very surprised, but I'm not going to question it.  DH has a flexible spending account through work, so we've been using that for meds and IUI's.  FYI, my RE charges $275 for IUI, not including meds or monitoring.