IVF OOP vs. Coverage Poll

stepgirl21 · August 2009

I am 100% OOP for any and all IVF attempts and was just wondering how many of us are in the same boat.

[Poll]

caden · August 2009

I have Rx drug coverage for 3 IVFs, and no coverage for any the rest of it.

cindybaf · August 2009

Since we just met with two RE's, we haven't planned the IVF yet although IUI's are not looking hopeful. We have no coverage for any of it, including testing...

nikinikinine · August 2009

I have a lifetime IF max of $10K (that includes IUI, IVF, testing, surgical procedures, etc.)

However we have a separate drug benefit plan that is not part of the $10K IF coverage. For our drug benefit plan we have up to $100K lifetime benefit coverage.

EDIT: we also pay a 10% co-insurance for our IF plan and the regular office visit copay (which is between $20 and $45 each visit)

samk213 · August 2009

I pay 20% after my deductible has been met, insurance pays the rest and I do not have limited IVF attempts or a life time coverage. I don't know what my prescription coverage is technically, but I just paid 187 yesterday for all my IVF meds. I know we are blessed with the insurance and I wish everyone here was as well.

GenRN45 · August 2009

my health insurance through work is practically free, but no ART coverage at all.

It's going to cost $350/month to put me on DH insurance and we will have a $9500 deductable which = $13,700/year

The $13,700/ year is still less than the $15,000/cycle that it will cost if we're completely OOP on my insurance.

For the $13,700/year, we have 4 lifetime IVF attempts, unlimited FETs and unlimited IUIs (should DH's #'s ever improve). Meds will be covered as well, with copays.

Financially, even though it's still a fortune, going on DH's insurance makes more sense. That way if we get any embies to freeze, we can have multiple cycles in a year.

PrincessShay80 · August 2009

On DH's insurance we have 10K for meds and 10K for and Fertility treatments, on my insurance I have 6 covered IUI's.

Ali212 · August 2009

I voted other.

IVF is covered by my insurance - as long as I go to an in-network clinic. However, I really was frustrated at the pace / protocols followed at my first clinic (in NYC, large well-known teaching clinic) so swtiched after IUIs with injectibles to a more aggressive, private clinic that doesn't take insurance. In addition to being OOP, their rates are much higher but I get excellent care.

psychmusetls · August 2009

i'm 100% covered for 4 IVF attempts (NJ state mandated)

ladychicago · August 2009

i voted that we have 100% IVF coverage for a limited number of cycles (4). but we have a high deductible plan, so that coverage doesn't start until after we pay OOP for a big chunk of change each year. mind you, it is no where NEAR what people who are totally OOP pay, but its substancial, so we're going to try to smash in as many treatments as possible before our deductible resets on January 1. even after our deductible is met, only medical is covered at 100%. pharm is at 80% coverage until we meet a secondary OOP max.

GenRN45 · August 2009

psychmusetls:
i'm 100% covered for 4 IVF attempts (NJ state mandated)

NJ State may be mandated, but the loopholes are so big, i can drive DH's SUV through them.

I live and work in NJ. I am an RN working in a hospital. Hospital = self insured.... if you are self insured, you do not have to provide IF benefits.

Loophole...

See my post above.

Imanurse03 · August 2009

The drugs for IVF are covered under my insurance but everything else related to IVF is 100% OOP.

Quizzle · August 2009

No coverage at all. Not even testing. If you even mention infertility they won't cover it.

Jlynn3 · August 2009

I live in a state that mandates coverage and yet I am still OOP... gotta love insurance companies!

wiscgirl95 · August 2009

Hi, I voted other.

Under my current plan I am completly OOP for all fertility treatment. Diagnostic testing is covered but drugs, IUI, etc are OOP. If I don't get pregnant with IUI (we will do 3) we will proceed to IVF and then I will switch to DH's plan which provides $2000 lifetime max in fertility treatment. $2K isn't much but it's something.

krissyh21 · August 2009

I had 50% coverage of IVF with no drug coverage. Fell in the cracks of my MA IVF mandate and had to purchase a high premium plan not with my employer to cover that amount.

PoeticJustice · August 2009

My Insurance covers 3 Fresh & 3 Frozen IVF cycles at 75%, which leaves me with a 25% co-pay.

yogisunam · August 2009

I work for a company with an excellent group plan in a mandated state.

I have full coverage for 6 IVFs, no lifetime max. I have unlimited IUI cycles, but once I do IVF, I can't go back to IUIs.

austxgrl · August 2009

I just got coverage that covers 100% up to $20,000. We have to do PDG IVF so that should give us one fresh and at least one FET. If we did not have this coverage, we would not be able to do IVF anytime soon.

divajbrown · August 2009

$20k IVF coverage (testing, sonograms, blood work, etc) but meds 100% OOP.

theworms · August 2009

I said other

I have coverage for 3 retrievals and 3 frozens in network and I am responsible for 25% of cost. If I go OON they will reimburse up to 70% of cost but it is usually lower and what they think the rate should be.

Unilimited IUI's and IVF meds with 25% copay.

Unfortunately, we're MFI and none of DH's procedures, u/s and most of his b/w are not covered at all!

msinformation · August 2009

We are OOP for the IVF attempts but all my meds are covered except for the $5 co/pay. At least we are able to catch a small break!

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