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insurance question

PrincessShay80PrincessShay80
in Infertility

Okay ladies I need your help. DH has IF coverage on his insurance- we had 10K total lifetime max- we have maxed that out. He is thinking of moving to another bank that also has IF coverage on their insurance.

Can we still us the new coverage at the new company or because we used it all at other company are we barred from having any more coverage?

I know this is stupid but just wondering. Thanks!

 

Our Journey from two to three! 3 IUI's, 2 IVF's, decided to move to foster/adopt. 12/24/2009 Baby C born, 2/1/2010 placed with us, 5/17/2011 Adoption final- we are finally a forever family! Baby Birthday Ticker Ticker
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Re: insurance question

  • thewormstheworms member

    I think they are totally seperate and since there won't be a lapse in coverage it should be fine.

    Is it the same insurance company at new job?

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    Worrying does not empty tomorrow of its troubles, It empties today of its strength. ~Corrie ten Boom
    Courage doesn't always roar. Sometimes courage is the little voice at the end of the day that says I'll try again tomorrow. ~Mary Anne Radmacher (thank you beadinglady)

    It's been a long journey. TTC since 9/06. multiple IUI's and IVF's and 4 m/c's. IVF#3 = BFP, twins, induced at 34w6d due to baby b passing away (no explanation). Delivered on 35w1d, Baby A - baby girl, and Baby B - baby boy, our little angel.
    MTHFR A1298C & C677T, Immune Issues and Factor II
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  • PrincessShay80PrincessShay80

    Our current one is Aetna and Im pretty sure the new one is Aetna as well. Does that make a difference?

    Our Journey from two to three! 3 IUI's, 2 IVF's, decided to move to foster/adopt. 12/24/2009 Baby C born, 2/1/2010 placed with us, 5/17/2011 Adoption final- we are finally a forever family! Baby Birthday Ticker Ticker
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  • c0debabec0debabe

    Is it a new insurance company?  If so, you will probably get a new max.  But if it is the same insurance company (even if it is a different plan) they will not give you more.

     If it is a new company, I would just call them and ask.

     -Sky

    DS #1 on the way after 2 cycles of ART (IVF+FET) EDD 7/3/11
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  • krissyh21krissyh21 member
    It really depends on the wording. Some let you carry over coverage some don't, for instance with my old good insurance I would have had 6 Egg retrievals in a lifetime. So that meant they would not cover a retrieval after the 6th, whether I was new to insurance or not...
    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.
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  • PrincessShay80PrincessShay80
    What about if the amounts are different, our current one offers 10K and the new one is 25k, I think they are both Aetna, so would I get the difference of 15k?
    Our Journey from two to three! 3 IUI's, 2 IVF's, decided to move to foster/adopt. 12/24/2009 Baby C born, 2/1/2010 placed with us, 5/17/2011 Adoption final- we are finally a forever family! Baby Birthday Ticker Ticker
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  • PMBridetobePMBridetobe member
    I would think that you would at least be eligible for the additional amount.
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