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Insurance Question re:IUI/IVF

kriskarpkriskarp member
in TTC After a Loss

I have HPHC for my insurance provider. I had no idea what coverage they have for fertitly treatmenst so I thought I would ask prior to my Dr. appt tomorrow requesting some help TTC. They said that I am covered for Clomid and the generic version and for 6 IUI and 6 IVF treatments.  Both the IUI and IVF are per my lifetime..Is this the norm?? I am hoping I get my BFP before it comes to any of this, but i thought I should at least educate myself.

Thanks in advance

Married by best friend on May 15, 2010 First BFP (Honeymoon Baby) on June 8, 2010 Mackenzie Anne born sleeping on November 26, 2010 at 30 weeks Mackenzie had Congestive Heart Failure and Hydrops Fetalis; CP in April 2011 Waiting on our take home baby... http://www.fertilityfriend.com/home/2f3278 ****PGAL/PAL Always welcome**** BabyFruit Ticker
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Re: Insurance Question re:IUI/IVF

  • LaTi07LaTi07 member
    Honestly, that's AWESOME insurance. I know a lot of insurance companies that don't offer any type of covered fertility assistance. The insurance through my work doesn't even offer it on their most expensive plan.

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  • HBayliesHBaylies member
    You're in MA like me where the law is that treatments must be covered by your insurance.  It's FABULOUS to be from MA for this reason.  :)  Now that doesn't mean though that you don't have some kind of deductible to meet first, so check on that.
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  • figgs0831figgs0831 member
    You have very good insurance.  Mine will cover unlimited IUI, not does not cover anything leading up to IVF.

     Our baby boy,Logan, was born still at 19w3d on 7/1/2011
    Our 2nd baby boy, Mason, was born still at 20w3d on 1/31/2012

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    ((BFP 7/29/13))  ((EDD 4/12/14))  It's BOY/GIRL twins!!!

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  • MDT082010MDT082010

    imageHBaylies:
    You're in MA like me where the law is that treatments must be covered by your insurance.  It's FABULOUS to be from MA for this reason.  :)  Now that doesn't mean though that you don't have some kind of deductible to meet first, so check on that.

    This! My insurance coverage is the same as yours. I'm very happy to live in Mass!

     At least if I need to move forward with meds/IUI/IVF - I won't have to sell my house (j/k)

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  • MegMeg0913MegMeg0913 member
    I am jealous of your insurance.  Congrats on it being so awesome
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  • CaroleeCarolee member
    Holy moly - I'm jealous!!!  My insurance only covers 6 IUIs at 50%, and NOTHING toward IVF.  I don't think yours is the norm - it seems like much better!
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  • BlondeBride123BlondeBride123
    I had HPHC for years and loved them.   Glad you have great coverage that will hopefully get you to your take home baby.
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  • kriskarpkriskarp member

    Wow..thanks for all the responses..and to think (Yes, I am naive) that this wasn't alot..I assumed based on seeing so many siggy's with numerous IUI/IVF attempts that my insurance wasn"t that great..(again me being naive)...If I could share my insurance with you all I would...when I win the lottery I will start a fund to help others with fertility problems.

    Married by best friend on May 15, 2010 First BFP (Honeymoon Baby) on June 8, 2010 Mackenzie Anne born sleeping on November 26, 2010 at 30 weeks Mackenzie had Congestive Heart Failure and Hydrops Fetalis; CP in April 2011 Waiting on our take home baby... http://www.fertilityfriend.com/home/2f3278 ****PGAL/PAL Always welcome**** BabyFruit Ticker
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