Does anyone have an insurance company that covers IVF? And/Or has anyone dropped their work insurance and started paying cash for their own insurance that does covere IVF? Please Help. Someone told me they added a secondary insurance onto their primary that they pay out of pocket which covers ivf 100%.
Re: IVF coverage
I think you will find that where you live dictates a lot, in CA it is very hard almost impossible to find an individual plan with IF coverage based on what some self employed friends have told me. However in a more IF friendly state you may have more luck, but I don't know that for sure.
Also if you find a policy that covers IF make sure you aren't paying more OOP for the insurance than you would for IF treatments. Generally individual plans with IF coverage, if they are even available, are pretty expensive.
Good Luck!
Me - DX Hashimoto's Disease, Hypothyroid, Rheumatoid Arthritis
DH - DX Azoospermia - Sertoli Cell Syndrome
DS-IUI #1-4 BFN IVF #1 - BFP! It's a boy!!!
TTC since October 2007
Dx with Unexplained IF
IUI #1-3 w/clomid: Jan-March 2010...BFN
IUI #4 w/injectables: April 2010...BFP
1st u/s: 5/17-one little perfect hb@7w2d, 2nd u/s: 6/5-no hb@10w;
missed miscarriage: 6/10 d&c
IUI #5-7 w/injectables: Sept 2010-Jan 2011...BFFN
IVF #1: Feb/March 2011...pretty please let this work!!!!
Expecting twin boys!!!!!
If you drop your work/group coverage, you will need to find an individual policy. To get an individual policy, they must approve you and can deny you for a pre-existing condition. I doubt you will find an individual policy with fertility coverage, but even if you do, they will deny you for a pre-existing condition. Sorry to give you the bad news, but it isn't going to happen.
Hi ....DId you have a lifetime max on the IVF coverage with your insurance company? So for instance when you move to Aetna does it start all over again such that your 3 sycles coverage starts get completely covered . We are in similar situation and hence wanted to know.
Thx,
Dee
Hi ,
Do you have lifetime max for IVF coverage with your insurance company ? So for instance, when you move to Aetna do you get three new cycles that are covered by insurance again. We are in similar boat and hence interested in knowing.
Thx,
Dee
Do you know if you have lifetime max for IVF coverage with your insurance company? So for instance, when you move to Aetna do you get three new cycles
that are covered by insurance again. We are in similar boat and hence
interested in knowing.
Thx,
Dee