Does your insurance cover fertility treatments?

Re: Does your insurance cover fertility treatments?

• comfortcakes

  November 2009

  I am sure every insurance plan is different, even in Ohio.  When we went through TTC, I was diagnosed as anovulation.  Basically, I was not ovulating. So when we went through using Clomid, the Rx was covered at a percentage.  I "had to have" an HSG test and because I had never been diagnosed as infertile, it was covered (though if any visit had ever been marked as that, I would have had to pay out of pocket). However, IUI's were not covered and cost $212 each time. Thankfully, we only had to do 2 of them.  I looked into future options (fertility drugs, shots, IVF) and they were not covered by insurance.  In general fertility treatment is not considered to be medically necessary. However, ovulation and general working order of your organs are. Hope that helps!
  

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• britbswoo

  November 2009

  You'd have to check with his companies benefit plan.  My benefit's covered $25k for treatment lifetime and $10k for fertility medication lifetime. We did have to spend that $$ how insurance saw fit however since we are unexplained. So HSG first, three rounds of clomid (cheap), laproscopy for cyst, 3 MORE rounds of clomid, 3 IUI with injectables (injectables EXPENSIVE), and finally 1 coverer IVF.  That maxed out out coverage, but lucky for us worked.  Dr. didn't want to do the IUI's at all but insurance wouldn't cover IVF untill 3 were attempted since there was not a medical reason for treatment not working.

  IVF#1 - 2 Blast Transfered = BFP!!! Identical Triplets&Fraternal = QUADS!!

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