Insurance Issue - WW3TCD?

lawby2005

Ok, so I researched deep and found that our current insurance (through DH's co.) does not cover IF whatsoever.

I have my first RE appointment on the 13th of July, fresh out of being on lupron to treat my endometriosis. I still havent seen AF since getting off lupron on the 14th of June. Since most of the endo has disappeared (based on my u/s), I should have a better chance of getting pregnant.

My company just extended enrolment in their insurance plan and they cover IF. However it is costly like almost 10% of my total salary.

WWYD? I think I am gonna go for the insurance from my company.

pedsnp04

Depending on your salary I would say go for the insurance.  I think any IF coverage is better than none. Were oop and that would be my opinion.

GL

wordslikeswords

I agree. If you have to do treatments it will cost you way more than 10% every month.

Nova726

Can you change it back later if you want to?  Honestly, I'd probably go for it either way, all the meds, u/s, and everything else adds up quickly.  Just make sure that the new coverage is good and worth the money.  If it's only going to cover a little of what you need it may not be worth it.

firewife9278

We currently have DH's insurance, which is free to us. However, there is no IF coverage, and even with Labor/Deliver there is a 20% copay after meeting the deductible .. so it's not that great.

We'll be enrolling in my insurance during the open season, for coverage starting January 1. It costs $186 per pay ... so $4836/year. DH's department will give him $2400 every December if he doesn't take their insurance ... so our OOP cost will be $2436 pretax. It covers Labor/Delivery and all related visits 100% (no copays or anything), and covers IF meds and diagnostics/monitoring, with regular medication copays. So it's a way better option for us. Even though that's money we're not currently spending, it's worth it in the long run, IMO.