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OOP ladies ?

bride526bride526
in Infertility
If you are completely out of pocket because your insurance doesn't cover anything "infertility" related, did you look into getting a secondary insurance on your own? Is this even possible?
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Re: OOP ladies ?

  • yodasmistressyodasmistress member

    Depending on what state you're in, that may not even be possible.  In order to get an individual policy covering IF, you would need to live in a state where insurance coverage was a mandated option, which it's not in 3/4 of states.

     
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  • ginger67ginger67
    I looked and could find no such thing. Will be really curious to see if anyone did.
    1-20-09 BFP third month of Follistim IUI 02-19-09 MC 06-24-09 MC July IUI Follistim Ganirelix Ovidrel Crinone=BFN Aug. IUI Follistim Ganirelix ovidrel Crinone=BFP= scared sh**less 10-12-09 MC = 1 ectopic 1 perfect Dec. IUI Gonal-F Ganirelix Ovidrel Crinone Lovenox 01-02-10 BFP=scared sh**less again 01-06-10 CP SAIF ALWAYS WELCOME : ) March 2010 - IVF in progress converted to IUI 03-30-10 BFN April 2010 - IVF - BFFN June 2010 - IVF - BFFN July IUI BFP! March 26 2011 Gracie is here! imageImage and video hosting by TinyPic imageImage and video hosting by TinyPic
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  • bride526bride526
    I live in NJ-which is a mandated state- but my husband's piece of crap employer gets health insurance through kansas- so they avoid having coverage for me. But I was thinking today (as I added another $400 to my credit card) if it was possible to buy insurance specifically for this coverage and have it be my "secondary insurance".  Just was curious if anyone else had heard of this or tried it.
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  • krissyh21krissyh21 member

    Yes I did do that. I live in a mandates state but my husbands company self funds, so they are not required to have IVF coverage and I work for a small employee who does not offer health care. I ended up buying my insurance individually, the premiums are high, but I only kept it for the year I was doing IVF.

    Call local insurance companies or go online, they must be in the state in which your mandate covers (my policy was through BCBS of MA), and ask about different policies and what they cover. Weigh everything from deductible to out of pocket expense when deciding the right policy, since you know you will be meeting any deductible that they have. We knew we would only be keeping the policy for a year, so did the expenses to see how much we were really saving.

    I could only afford a policy with 50% coverage and $0 drug coverage since the monthy premiums were ridiculous, but it did have a yearly spending cap for out of pocket expences of so much money which I easily used for 2 IVFs - my third was "free".

    A lot of years and a million tears finally led me to you.
    After 7 years trying to concieve, 3 failed IUIs and 2 failed IVFs, my third IVF was a success!
    My Christmas baby turned into a turkey bird! Dillon Richard was born at 34 weeks, 5 days on November 28, 2009 after 10 weeks on bedrest for preeclampsia.
    <a href="http://smg.photobucket.com/albums/v705/arriinthere/PJ/?action=view
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  • bride526bride526
    Wow, thanks for the info. Do you mind me asking how much the premiums were? RIght now I'm on my 2nd iui, and putting it on a 0% credit card, but if we have to go to IVF, I'm screwed- we simply can't afford it. I'm trying to think ahead, my husband it telling me to just take one day at a time.
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  • krissyh21krissyh21 member

    My policy was $325 per month, so $3900 for my "IVF year" we knew we could only do 3 cycles going in and would cancel when open enrollment time came to get back on my Hs insurance.

    Oh and a benefit to having insurance, the insurance makes clinics cap the amounts they will pay for procedures, so OOP IVF would have been 10k at my clinic (not including drugs), the insurance made them cap IVF at $8900, and I had to pay half the capped price not the clinic price. So I spent more then I wish I needed to, but I got lucky to live in a state where this was an option. We would only have been able to afford 1 IVF without it. 

    Good luck

    A lot of years and a million tears finally led me to you.
    After 7 years trying to concieve, 3 failed IUIs and 2 failed IVFs, my third IVF was a success!
    My Christmas baby turned into a turkey bird! Dillon Richard was born at 34 weeks, 5 days on November 28, 2009 after 10 weeks on bedrest for preeclampsia.
    <a href="http://smg.photobucket.com/albums/v705/arriinthere/PJ/?action=view
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