IF Insurance vs. OOP Poll

Frankie · November 2009

I apologize in advance if this turns out to be a clicky poll, but I'm just curious to know who's IF is covered by insurance and how many are OOP.

Thanks!!

jandj2005 · November 2009

i am completely OOP.

ginger67 · November 2009

100% OOP

Sunshine05 · November 2009

100% OOP for treatments, have some coverage for diagnostics though.

AimeeL85 · November 2009

Our insurance apparently covers up to $15k lifetime maximum...so far we have only done testing which isn't considered treatment, so we haven't tested that theory yet.

As grateful as I am for that, it is really only going to cover the surgery DH has to have prior to our first cycle...so when we actually so our cycles, we'll be paying completely OOP for everything.

ked1068 · November 2009

For three IUI's, 2 IVF's, 1 FET, and 1 surrogate round we were completely OOP.

NOW dear, sweet DH has a job that covers 100% of IF treatment, up to $20,000, if we were to decide to cycle again.

SSFaith · November 2009

Our insurance covers 4 rounds of IVF. That said, we spent $6800 OOP on our first round when you add up the $3500 we spent to meet our deductible (months of IF testing and monitoring pre-IVF), another $1500 on meds that were not covered by our policy, $850 to freeze a sperm sample, another $850 to freeze our embies, and who knows what we'll be charged for ICSI since it was not covered in our IVF coverage. So, we're still OOP plenty on a single round.

psychmusetls · November 2009

NJ has mandated IF coverage if 50 or more people are insured by the same employer-

my insurance covers - all meds, appointments, tests/diagnostics, monitoring and IUIs unlimited; I get 4 IVF attempts (counted as retrievals) and full covereage for unlimited FETs if i pay oop for the freezing and storage.

I count myself BLESSED. we would not be trying if we didn't have insurance. we're saving for adoption.

yodasmistress · November 2009

jandj2005:
i am completely OOP.

thebeadinglady · November 2009

My insurance covers 6 IUIs 3 IVFs per live birth all diagnostics, and some meds. I know it doesn't cover injectables. We have $100,000 lifetime limit on IF treatments. I count my self very lucky. When I went for my first appt with my current RE I didn't know any of this and the lady at the front desk told me after the consult, I almost started crying right there in front of everyone cause I was trying to figure out how we could afford all this.

GenRN45 · November 2009

psychmusetls:
NJ has mandated IF coverage if 50 or more people are insured by the same employer-

unless the employer is self insured - ie: all nurses in NJ that work for hospitals.

i had no coverage, so this open enrollment, we switched to DH's insurance. We now have coverage for 4 lifetime IVF cycles and unlimited FETs. Comes with a pricetag though... and we're still paying $12,500 OOP for the year. Was worth it though, considering the alternative.

MyShellyBelly · November 2009

Spoke briefly with RE's office the other day.

Apparently our insurance covers IVF, but will not cover all the testing prior to IVF.

I have to go in this week to get the specifics about our plan.?

dananderin · November 2009

100% OOP

JillAly · November 2009

Mine covers 3 IVF's supposedly. However, the deductible is huge plus they only cover 80% of what they think it's worth so I certainly feel like it's OOP after paying about $15,000 so far. Also, since I had to re-order the meds for cancelled IVF's and stim extra long (thus needing more meds), they counted each re-order as a separate IVF so I am OOP on most of the drugs. Sometimes "being covered" is such a scam and misleading.

fallbride110406 · November 2009

Co-pays on meds only if ordered through an approved specialty pharmacy (I paid ~$500 instead of $3500 for each IVF). This literally took effect 2 days before we ordered the meds for IVF #1, we didn't have any coverage at all before 1/1/09.

All testing, diagnostics and procedures were OOP 100%. My RE billed all ultrasounds as GYN, so my insurance covered them. I got very lucky with that since that reduced my cycle cost from $11k to ~$9k.

I also had to pay out my deductible ($500 + 10% after the $500) for my D&C when I miscarried. Our total between two IVF's and my D&C was $20k. We had another $1k or so from testing prior to cycling (SA's, saline sono, etc.).

greekwife05 · November 2009

Right now I am completely OPP, before July 1st my insurance covered 50% of IF treatment except for IVF. Testing was 100% covered as were meds, with a co-pay of course. If we had gotten to IUI's it would have been 50% covered by the insurance the other 50% up to us.

hillaree · November 2009

100% coverage for diagnostics/ testing

$5,000 lifetime max for treatments

No meds covered

AletheaP · November 2009

My insurance covers 90% of Dr. visits, blood tests and U/S. Everything else is covered by us. They cover about 10% of our meds and nothing beyond "testing".

waitingforbaby#2 · November 2009

OOP

MrsH_08 · November 2009

OOP

But they did cover $16.82 for my beta tests. :-p

st.augbride · November 2009

Insurance covers 100% (military) unless I need IVF, which is 4 or 5k per cycle I think...

Quizzle · November 2009

100% OOP. Not even diagnostics -- we managed to get a few things covered in there, thank goodness. My insurance covered hysteroscopy but not HSG, for example. if it's billed as gyn. And it covers bloodwork if you go to LabCorp, so we had the big blood tests before IVF done there.

TandW · November 2009

We're OOP.

renafaith · November 2009

OOP all the way

colbie77 · November 2009

Very lucky to be completely covered for everything including IVF, FET and all meds. Actually, IVF coverage is something that's keeping us in Massachusetts. We wouldn't be able to do the treatments we're doing without it.

madelyn07 · November 2009

We have diagnostic coverage and some Rx coverage but for all IF treatments we are 100% OOP.

albjag · November 2009

OOP :-(

albjag · November 2009

thebeadinglady:
My insurance covers 6 IUIs 3 IVFs per live birth all diagnostics, and some meds. I know it doesn't cover injectables. We have $100,000 lifetime limit on IF treatments. I count my self very lucky. When I went for my first appt with my current RE I didn't know any of this and the lady at the front desk told me after the consult, I almost started crying right there in front of everyone cause I was trying to figure out how we could afford all this.

Wow- that's awesome benefits! What insurance do you have-

I have to say that's the best one I've seen for IF

laure1122 · November 2009

All OOP except for my first consult and first b/w.

harley12 · November 2009

I live in MA where insurance coverage for IF is mandatory. We have up to 6 fresh IVF's and unlimited FET's. I'm extremely grateful considering I'm currently undergoing IVF#4. There is no way we would have been able to afford 4 fresh cycles. I really am so grateful and know how lucky I am to have this coverage.

sarahandeddiejune212008 · November 2009

Illinois also has mandatory IF coverage. I think my insurance covers 4 IVF cycles, 5 if there is a live birth in between. I think IUI is unlimited. I'm pretty sure meds and tests are covered too. I just switched to this insurance so I'm a little unsure on all the details. I do know that we have a $1500 deductible and then they pay 80%, so we are oop for 20%. We are hoping to have already met our deductible because we had tricare (military insurance) and blue cross blue shield in October so tricare should have picked up our deductible since I had some major lab work and an mri done.

Dragonfly1226 · November 2009

We are very lucky to have insurance.

AlissaCell701 · November 2009

We have full Insurance coverage for IVF but very high deductables..1500 per person or 3000 for family. I reached that in 2 visits to the RE. No co-pays though once you reach the deductable which is great!

bride526 · November 2009

I live in a IF insurance mandated state (NJ)- However, my husband's employer (NJ) gets out of that coverage by obtaining insurance from Kansas.......so we are completely 100% OOP for everything. Which is why we haven't started IVF yet.

Jlynn3 · November 2009

some diagnostic tests were covered... everything else is OOP

svp1537 · November 2009

Insurance

Stones07 · November 2009

Our insurance covers 4 IVF or 20,000.00 lifetime which ever comes first. We have used about 6,000.00 this year on ultrasound appointments and IUI procedures. Out of pocket we pay for the meds only. Unfortunately after the end of this year this wonderful coverage goes away and we will be 80/20 split out of pocket and out of pocket cost for IUI's. We are taking a break due to the change in our coverage next year if this last cycle does not work. Boo!

bmagsgirl · November 2009

My insurance covers 90% up to 25K. That includes meds, diagnostics, treatment, transfer. Everything.

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