if you have good IF/IVF coverage?

kthappy76 · January 2011

Where do you have it through? (who's your/DH's employer?)

I promise I'm not a stalker, just job hunting... Thanks!

Edit: Please feel free to PM me if you don't feel comfortable posting for everyone to see.

SLPMel · January 2011

I have good insurance, *but* a lot of that has to do with living in Maryland and working in a public school. If I worked in PA, I'd have nothing. The states that mandate coverage force employers to offer IF coverage, which is what every state should do!! Big Smile

MrsRich0226 · January 2011

Our insurance is through my job since DH's is crazy expensive. Neither option has any IF treatment coverage. My insurance covered up to the point of diagnosis but nothing after that.

I love my job but the owners are very Catholic and I know our coverage will never change.

Good luck in your search!

kthappy76 · January 2011

SLPMel:
The states that mandate coverage force employers to offer IF coverage, which is what every state should do!!

Couldn't agree more! I live in a mandate state, but finding an employer that the mandate actually applies to is surprisingly difficult.

beantownbride25 · January 2011

Look for companies HQ'd in Mass. What field are you in?

ginogomermisser · January 2011

Live in Crappy PA and nothing past testing.....Sucks!!!!

SLPMel · January 2011

kthappy76:
SLPMel:
The states that mandate coverage force employers to offer IF coverage, which is what every state should do!!

Couldn't agree more! I live in a mandate state, but finding an employer that the mandate actually applies to is surprisingly difficult.

Seriously??? How do they get out of it??

kthappy76 · January 2011

beantownbride25:
Look for companies HQ'd in Mass. What field are you in?

marketing, strategy, consulting, so I can work most places. Mass. does have an awesome mandate.

kthappy76 · January 2011

SLPMel:
kthappy76:

SLPMel:
The states that mandate coverage force employers to offer IF coverage, which is what every state should do!!

Couldn't agree more! I live in a mandate state, but finding an employer that the mandate actually applies to is surprisingly difficult.

Seriously??? How do they get out of it??

Being self-insured is a big one, also being based out of state/country.

07may07 · January 2011

SLPMel:
kthappy76:
SLPMel:
The states that mandate coverage force employers to offer IF coverage, which is what every state should do!!

Couldn't agree more! I live in a mandate state, but finding an employer that the mandate actually applies to is surprisingly difficult.
Seriously??? How do they get out of it??

I live in a state where it is mandated as well. I used to have my coverage through DH's employer. However, the loop-hole here is that if the plans are self-insured (I don't entirely even understand what this means) they are not required to follow the state mandate. So, the IF coverage I had through DH ended. Luckily, I was able to move on to my company's insurance plan which is covered.

abvernon · January 2011

We have good IF coverage through my employer. I pay 50% OOP. Everything is covered, meds, b/w, monitoring u/s, RE visits BUT IVF. If we go through IVF, we would pay 100% OOP (about $12K for everything).

I am very grateful for the coverage we have. I have seen the costs if it was 100% OOP Indifferent

kthappy76 · January 2011

07may07:
SLPMel:
kthappy76:

SLPMel:
The states that mandate coverage force employers to offer IF coverage, which is what every state should do!!

Couldn't agree more! I live in a mandate state, but finding an employer that the mandate actually applies to is surprisingly difficult.

Seriously??? How do they get out of it??

I live in a state where it is mandated as well. I used to have my coverage through DH's employer. However, the loop-hole here is that if the plans are self-insured (I don't entirely even understand what this means) they are not required to follow the state mandate. So, the IF coverage I had through DH ended. Luckily, I was able to move on to my company's insurance plan which is covered.

FYI, self-insured means the co. just pays admin fees to the insurance company to administer the plan and get their negotiated network discounts. The claims are actually paid by a fund set up and funded directly by the employer. So it's not "real" insurance backed by an ins.co., so no mandate.

njohnson1972 · January 2011

I hope you don't mind me posting, but my employer is out of IL, but self-funded so not all of our insurance plans have IF coverage.

So in 2009 during open enrollment, I didn't consider IF coverage and picked a plan without it. A month later, I got my Dx. Given my age, we couldn't wait another year to change plans for coverage and just paid OOP.

But I did change plans for 2011 - just in case this pregnancy didn't work out. If I go in network (BCBS), after my deductible, I pay 50%. I also checked to see if that includes DE - which it does except for the Donor Fee. It also covers meds after the deductible. My deductible is $250 and my out-of-pocket max is $2,050. I also checked and my RE is in network.

My employer has a pretty big presence in Chicago. PM if you want to know who I work for.

SLPMel · January 2011

kthappy76:
07may07:
SLPMel:
kthappy76:

SLPMel:
The states that mandate coverage force employers to offer IF coverage, which is what every state should do!!

Couldn't agree more! I live in a mandate state, but finding an employer that the mandate actually applies to is surprisingly difficult.

Seriously??? How do they get out of it??

I live in a state where it is mandated as well. I used to have my coverage through DH's employer. However, the loop-hole here is that if the plans are self-insured (I don't entirely even understand what this means) they are not required to follow the state mandate. So, the IF coverage I had through DH ended. Luckily, I was able to move on to my company's insurance plan which is covered.

FYI, self-insured means the co. just pays admin fees to the insurance company to administer the plan and get their negotiated network discounts. The claims are actually paid by a fund set up and funded directly by the employer. So it's not "real" insurance backed by an ins.co., so no mandate.

Ugh in MD, it's only if there is a religious reason or smaller than 30 (or 50?) employees. That's so wrong!

MrsP71506 · January 2011

DH works for Cook County and has great benefits.

kthappy76 · January 2011

njohnson1972:

I hope you don't mind me posting, but my employer is out of IL, but self-funded so not all of our insurance plans have IF coverage.

So in 2009 during open enrollment, I didn't consider IF coverage and picked a plan without it. A month later, I got my Dx. Given my age, we couldn't wait another year to change plans for coverage and just paid OOP.

But I did change plans for 2011 - just in case this pregnancy didn't work out. If I go in network (BCBS), after my deductible, I pay 50%. I also checked to see if that includes DE - which it does except for the Donor Fee. It also covers meds after the deductible. My deductible is $250 and my out-of-pocket max is $2,050. I also checked and my RE is in network.

My employer has a pretty big presence in Chicago. PM if you want to know who I work for.

Thanks for chiming in hon. I think I know who you work for (from FB), is it still NT? But wondering what kind of plan you have, PPO, POS, HMO? I'm also trying to gauge whether I want to start commuting into the city again... I think they have an office out here, but I think it's mostly downtown, as are many jobs unfortunately.

kthappy76 · January 2011

Mrs.P7/15/06:
DH works for Cook County and has great benefits.

Hey A! I saw that IL state jobs are subject to the mandate and asked DH if he wanted to work for IDOT (he's a civil engineer and works with them all the time), but no dice. I guess I need to start looking there too...

labbylover03 · January 2011

beantownbride25:
Look for companies HQ'd in Mass.

This! My DH's company is based out of MA, but he works in the Dallas office. We have BCBS of MA and we have been very, very fortunate with our IF coverage. We have up to 6 IVFs covered, and in our situation, we are extra fortunate because it also covers PGD based on my DH's balanced translocation. (Of course we do have co-pays and dedectibles but they are minimal compared to the overall cost.)

Good luck in your job search! I pray for the day when everyone has IF coverage!!! It is so unfair.

SeptemberBride'08 · January 2011

I have United Health Care.

Due to my husbands job we have $15K lifetime. Before we switched because his company does it about every two years...I made sure we checked the IF coverage and went with the one that had the most. Good thing I was smart in the beginning of our TTC journey.

kthappy76 · January 2011

SeptemberBride'08:

I have United Health Care.

Due to my husbands job we have $15K lifetime. Before we switched because his company does it about every two years...I made sure we checked the IF coverage and went with the one that had the most. Good thing I was smart in the beginning of our TTC journey.

Yeah, we just used up my DH's $15K lifetime on this past cycle...

Sunshine05 · January 2011

DH's company (not in your area though) had an awesome plan that we were about to switch to when they decided not to offer it anymore. We had one of those so-called "Cadillac" plans and this was a Cadillac + 100% IF coverage (diagnostic, monitoring, and 6 IUI's and IVF's!) with no deductibles and only $20 copays. Life was going to be great! Then it got taken away right when we were about to sign up for it. We're still very lucky to have what we have which is 3 IUI's and 3 IVF's covered at 80% with monitoring also covered at 80%.

Stuckinthemiddle · January 2011

Johnson & Johnson - regardless of which insurance provider you choose from what they offer, if you pick any of the HRA plans, you get $25,000 max lifetime for IVF and injectables, and unlimited IUI's. If you pick one of the HMO's, you get 6 lifetime IUI's, but no IVF coverage. Hope this helps!

ChicagoWeded2007 · January 2011

we have awesome coverage through my husband's job in Chicago public schools. We are covered up to 4 IVFs.

love2b_mrst · January 2011

Don't know if you're interested in banking or finance, but we moved when my husband got a job with Chase. They have great IF benefits ($20000 max lifetime on IVF/IUI and $10000 max meds lifetime) and we pay a $50 copay. It's a POS I believe with United Healthcare. And because of contracted rates with the insurance, that $20000 will get us just about up to 5 cycles. The meds will be covered for 2.

When my H was looking for a new job and we knew we needed coverage, he started his job search with the top 50 companies for IF/adoption benefits listed in Conceive magazine. https://www.conceiveonline.com/fifty-best-companies/conceives-50-best-companies-2010/Page-1/ He actually got an interview and job offer with Chase a few months after we had looked at this, and when we looked at it again one day and realized that Chase was on the list, he accepted the job right away

njohnson1972 · January 2011

kthappy76:
njohnson1972:

I hope you don't mind me posting, but my employer is out of IL, but self-funded so not all of our insurance plans have IF coverage.

So in 2009 during open enrollment, I didn't consider IF coverage and picked a plan without it. A month later, I got my Dx. Given my age, we couldn't wait another year to change plans for coverage and just paid OOP.

But I did change plans for 2011 - just in case this pregnancy didn't work out. If I go in network (BCBS), after my deductible, I pay 50%. I also checked to see if that includes DE - which it does except for the Donor Fee. It also covers meds after the deductible. My deductible is $250 and my out-of-pocket max is $2,050. I also checked and my RE is in network.

My employer has a pretty big presence in Chicago. PM if you want to know who I work for.

Thanks for chiming in hon. I think I know who you work for (from FB), is it still NT? But wondering what kind of plan you have, PPO, POS, HMO? I'm also trying to gauge whether I want to start commuting into the city again... I think they have an office out here, but I think it's mostly downtown, as are many jobs unfortunately.

Yes, I am at NT. I know there are a lot of offices, but I don't know much about where they are all located in the Chicago area. I do know that we have a couple of buildings in the city. Most offices are going to be in affluent areas (targeting the wealthy).

They offer 3 plans - all BCBS - a PPO ($124/month), a high-deductible PPO ($72/month), and an in-network only PPO ($179/month). I changed to the in-network only PPO because of the IF coverage. The other 2 plans do now offer unlimited IF drug coverage (it was $12,000 max last year while I was cycling) and diagnosis (but no IUI or IVF coverage).

scooterq · January 2011

SLPMel:
I have good insurance, *but* a lot of that has to do with living in Maryland and working in a public school. If I worked in PA, I'd have nothing. The states that mandate coverage force employers to offer IF coverage, which is what every state should do!!

All of this! Except instead of working for a public school, I work for a state agency.

thebeadinglady · January 2011

I work at Albritton communications (they own tv stations around the country) and they are based in MD so I get 6 IUIs covered and 3IVFs per live birth w/ 100K life max. I can't remember if albritton has any stations in da burgh though. Look for companies based in MD.

kthappy76 · January 2011

njohnson1972:
kthappy76:
njohnson1972:

I hope you don't mind me posting, but my employer is out of IL, but self-funded so not all of our insurance plans have IF coverage.

So in 2009 during open enrollment, I didn't consider IF coverage and picked a plan without it. A month later, I got my Dx. Given my age, we couldn't wait another year to change plans for coverage and just paid OOP.

But I did change plans for 2011 - just in case this pregnancy didn't work out. If I go in network (BCBS), after my deductible, I pay 50%. I also checked to see if that includes DE - which it does except for the Donor Fee. It also covers meds after the deductible. My deductible is $250 and my out-of-pocket max is $2,050. I also checked and my RE is in network.

My employer has a pretty big presence in Chicago. PM if you want to know who I work for.

Thanks for chiming in hon. I think I know who you work for (from FB), is it still NT? But wondering what kind of plan you have, PPO, POS, HMO? I'm also trying to gauge whether I want to start commuting into the city again... I think they have an office out here, but I think it's mostly downtown, as are many jobs unfortunately.

Yes, I am at NT. I know there are a lot of offices, but I don't know much about where they are all located in the Chicago area. I do know that we have a couple of buildings in the city. Most offices are going to be in affluent areas (targeting the wealthy).

They offer 3 plans - all BCBS - a PPO ($124/month), a high-deductible PPO ($72/month), and an in-network only PPO ($179/month). I changed to the in-network only PPO because of the IF coverage. The other 2 plans do now offer unlimited IF drug coverage (it was $12,000 max last year while I was cycling) and diagnosis (but no IUI or IVF coverage).

Thanks hon for digging up all this info. I really appreciate it.

njohnson1972 · January 2011

BTW, I see 3 job postings at NT currently in Advertising/Marketing/PR, but they are downtown.

vanessagorc · January 2011

I have very good coverage, and we are under mine. DH works in finance and his benefits are horrible.

I work in healthcare, I'm a biotech sales rep. My company is VERY big on being a desirable place to work. Last yr we were number 35 (or something) on Fortune's 100 best companies to work for.

I have no limit on iui's, 4 IVF's (including ICSI ans TESA if needed), no lifetime 4 limit (so cost of IVF doesn't matter), and full meds coverage (even covers meds for donors).

Also, all monitoring and bloodwork is covered.

I am BEYOND lucky to have it!

MAbride0808 · January 2011

I am a teacher and work for the town. I actually am very lucky to live in MA and have fantastic insurance.

LIke PP said try to find something with HQ in MA.

Lizard1131 · January 2011

Chase

jillmatheny · January 2011

I live in MD too, and had 50% coverage through my job and 100% through my husband's job. Good luck! I hope you find something good!!

StarLightStar22 · January 2011

I work for a pharmeceutical company and they have great fertility coverage - however... they have a 20K lifetime max. Its blue cross blue sheild of MA

hollymichael · January 2011

I have the insurance mandated by Illinois which is great, although not nearly as good now that we have moved on to DE. I am self employed as a real estate agent, but am able to get on a group plan through my real estate office.

I had to switch offices about a year ago, so I learned a lot about the Illinois mandate. There are so many loopholes. One thing I discovered is that HMOs tend to have much better coverage. For some reason, it must be harder for an HMO to get around the loopholes. For example, at my company, the HMO has fertility coverage and the PPO does not. Not sure if that helps, but thought I would give you the info in case it comes into play for you.

hollymichael · January 2011

This list is old, but may be a good place to start . . .

https://www.inciid.org/article.php?cat=statemandates&id=243

kthappy76 · January 2011

love2b_mrst:

Don't know if you're interested in banking or finance, but we moved when my husband got a job with Chase. They have great IF benefits ($20000 max lifetime on IVF/IUI and $10000 max meds lifetime) and we pay a $50 copay. It's a POS I believe with United Healthcare. And because of contracted rates with the insurance, that $20000 will get us just about up to 5 cycles. The meds will be covered for 2.

When my H was looking for a new job and we knew we needed coverage, he started his job search with the top 50 companies for IF/adoption benefits listed in Conceive magazine. https://www.conceiveonline.com/fifty-best-companies/conceives-50-best-companies-2010/Page-1/ He actually got an interview and job offer with Chase a few months after we had looked at this, and when we looked at it again one day and realized that Chase was on the list, he accepted the job right away

Thanks hon. I've been totally working this Conceive list. I'll have to look at Chase, I have a friend who completely changed industries to go work there for the IF bennies to try for #2. I have a degree in Econ, but no experience in banking or finance...

kthappy76 · January 2011

hollymichael:

This list is old, but may be a good place to start . . .

https://www.inciid.org/article.php?cat=statemandates&id=243

Thanks! I wish there was an updated version of this. Ugh!

manu1 · January 2011

ladies that have ivf coverage count your blessings. i live in a nonmandate state and work for the state so i get zero nada paid. everything is oop even blood draw. that sucks big time.

STL34 · January 2011

I don't have IF treatment coverage through my insuarnce or MH's. However, I learned the other day that one of my friends had her IUIs and IVF cycles complete covered through her husband's insurance (she did 6 or 7 IUIs and 2 fresh IVF cycles but still had more coverage). He works for the NLRB. I've hear that it isn't consistent through federal agencies but some, such as the NLRB have IF coverage. Oh, and we are not in a mandated state.