Do you have IF benefits with your insurance?

KMLP · January 2011

I feel really lucky that I do, and it makes me sad that so many insurance providers do not provide IF benefits. I know if I didn't have them, we probably wouldn't be able to pay for an RE and all of this IUI business.

MrsLoos · January 2011

I just switched to my employer's insurance from DH's. Last year we had zero IF coverage so we paid OOP for all of our testing & our first (and only IUI). My current insurance has a $5k annual max for IF and it covers drugs and anything other than IVF. It did cover my monitoring for IVF, just not the "IVF" procedures, retrieval, transfer, embryologist fees, etc. With just that minimal coverage we've almost maxed out the $5k. I'm very grateful to have the coverage we have, even though it's minimal.

heathercara · January 2011

We are completely OOP on any and all IF treatments. Sucks.

MBfromBMC · January 2011

I have coverage for all of the testing and a few IUIs, but nothing else. I didn't even have coverage for the Ovidrel injections! OOP does really suck!

baloneydisc · January 2011

We do have coverage thru DH's job, but we have a $5,000 lifetime max. Up to that point they will pay 80% of everything. We have separate drug coverage as well. DH will be changing jobs (actually just changing employers) in April, so we'll have to wait & see what we have then.

punkymama · January 2011

I only have diagnostic coverage so my meds and IUIs are OOP. I was fortunate though that for this IUI I only had to pay OOP for one medicine. I think it was a fluke but I asked twice and then just paid for the 1.

JazzFlute · January 2011

I pay 50% for all IF services. My husband has the same carrier and the same coverage. 2 ultrasounds, 1 IUI and meds (femara, progesterone and trigger) is $500. So we'd be paying $1000 if we didn't have this coverage. The would really limit the number of IUI's we could do. I imagine we would only be able to do an IUI every other cycle.

tst1998 · January 2011

We are 100% oop for everything--diagnostics, treatments, meds. DH's insurance has coverage for diagnostics, but the premium to add me to his policy was so much that it didn't make sense. His insurance is HSA compatible, so we've been able to pay for most things pre-tax, which actually is a fairly substantial savings tax-wise. I guess that's better than nothing. I am lucky that my clinic is affiliated with the university here, and their pharmacy gets meds through the state so that's not really costing us much. For my last cycle I only paid $14 for Clomid and $10 for the Ovidrel!

MTooms · January 2011

We are very lucky. Our insurance pays for 3 IUIs, with just co-payements. And the co-payment for IVF is 25%. Hopefully though the IUIs will work! I am very scared about IVF.

Ricola · January 2011

My insurance covers all testing and treatments 100% plus AI for up to $25k. I know that we are very lucky to have such great coverage. MH switched jobs in October last year and we kept his old insurance (COBRA), because the new job doesn't offer benefits and I am a temp, so benefits are crappy. We pay a lot of money every month for this insurance, but think it is worth it.

KMLP · January 2011

Ricola:
My insurance covers all testing and treatments 100% plus AI for up to $25k. I know that we are very lucky to have such great coverage. MH switched jobs in October last year and we kept his old insurance (COBRA), because the new job doesn't offer benefits and I am a temp, so benefits are crappy. We pay a lot of money every month for this insurance, but think it is worth it.

We have a $25K max, too. Our insurance covers everything at 95%, so that is pretty good. 100% is awesome!!

magnolia_femme · January 2011

We are so lucky to have 95% coverage for up to 6 IVFs. I remember how fortunate we are to have that every day.

peppersnic · January 2011

NO and it has made everything sooooooo hard!

2have2hold · January 2011

Diagnostic testing is covered 100% after a $30 deductible. IUI/IVF are also covered 100% up to $30K (after a $1000 deductible)

STL34 · January 2011

We have some coverage for testing, but absolutely no coverage for treatment or meds. So, basically, we don't have much. It does suck. I wish I had the ability to get IF coverage. Not having coverage may mean that we cannot financially continue in our quest to TTC. I hate that money may be the reason that we don't have a child. I also hate that even if we do have a child, we no longer have money saved as a cushion when we start having extra expenses.

halo_tx · January 2011

We have coverage for all testing, IUI's, and any IF drugs including injectibles, and I feel so so lucky to have that. We will be OOP for everything but meds if we need to do IVF, so I hope we don't get to that point.

OCW2010 · January 2011

Zero coverage for anything IF related - diagnostics, meds, procedures, etc.

I just try to be thankful that we can afford it. My heart breaks for people that have no coverage (like us) that can't afford it OOP or even to qualify to finance it. Seems so unfair.

Blueyezz0530 · January 2011

My insurance covers up to a lifetime max of $15,000 which is pretty much one round of IVF. But we still have to pay 20% of pocket as well... for the procedure

bhead81 · January 2011

We are 100% OOP for everything--diagnostics, treatments, meds. I have tried to have my employer look into IF benefits but they had no luck. It really sucks and makes treatment very hard at times to afford.

Olive44 · January 2011

We are OOP for everything, also. It makes it so much harder. We are most likely doing IVF this next cycle, and I feel like it puts so much more pressure on this first cycle working.

Aime32 · January 2011

I have IF coverage but I do not have IUI or IVF coverage. My coverage is through my employer and is pretty good. I am very grateful for the coverage that I have. All I really need to worry about is my deductible and copay. Since I had my surgery in the beginning of the year, my deductible is already met.

dizzycooks · January 2011

We have a $500 deductible and we pay 10% after that up to a lifetime max of $20,000. I met the deductible in clomid round one so we're good to go. If we met the lifetime max, I think we can switch providers (dh's work offers two choices) and continue on.

mrsL80 · January 2011

We are covered 100%. I feel so fortunate that we live in MA, where there is required IF coverage, and I am so, so grateful for that.

lynn0926 · January 2011

Our diagnostics are covered 100% after my $20 copay. 6 IUI and 3 IVF in a lifetime 100% covered.

AlmostLoCo · January 2011

I'm in NJ, a mandate state, and am covered 90% up to $25K lifetime, including testing for me and DH. Drugs are covered separately. I've already used up a few thousand the $25K for tests and doctor's visits.

While I am extremely grateful for the coverage I do have through my employer... if I told you where I worked, it would seem pretty pathetic (let's just say it's somewhere healthcare related).

OtterPop1 · January 2011

We're 100% OOP. We did just find out that the cost of our meds can go toward the deductible, which helps a little. Like PP stated, I'm thankful we have money saved and can go forward with IVF.

boymamaco · January 2011

Yikes, I'm so jealous! And I'm not even "in it" fully yet. We are covered for diagnostic testing only after $2500 deductible. Then nothing after that. We did all the diagnostic last year, so I'm back to paying the deductible if the RE wants to retest anything. Thankfully they work hand in hand with the OB's office so I think they will accept all my existing results.

missjul61 · January 2011

We have 50% coverage for IF diagnostic, treatment and meds for anything up to an IUI only. GIFT, ZIFT and IVF-related items are not covered. So if we ever need to go to IVF, we're 100% OOP.

OCW2010 · January 2011

While I am seriously happy that so many of us have coverage, this poll makes me so sad for those of us that have little to zero coverage for these things.

mabst196 · January 2011

I was covered for diagnostic, other than that, we are OOP entirely. It blows.

Want a personalized experience?

Do you have IF benefits with your insurance?

Re: Do you have IF benefits with your insurance?

Choose Another Board

Search Boards