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Infertility
Lisa07
member
Illinois girls I have an IVF insurance ?
Lisa07
member
in Infertility
I'm starting an IVF cycle (my first!) next month and will be switching jobs and therefore insurance around the middle of the month. I currently have BCBS PPO that will cover 80% of my IVF costs. My new employer's insurance plans are through United Healthcare. Does anyone have experience with how much UHC PPO pays for IVF?
Also anyone think its crazy to switch insurance providers mid-cycle? I really don't want to postpone this another month but I'm starting to think that may make the most sense.
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Re: Illinois girls I have an IVF insurance ?
I'm not from Illinois, so my response may be extremely unhelpful.
Have you made sure that your new employer's insurance will cover IF treatments? I'm in MA (where IF coverage is mandated). We were under my husband's HMO and covered for IF treatments. His company switched insurance carriers and the new choices (all PPOs) would not cover IF treatments at all. There are some loop holes in the state mandated coverage that allow some companies not to offer the coverage. For my husband's company, since they were a self-funded plan, they were not required to offer IF coverage. I ended up having to switch to my company's insurance.
I hope that your new insurance has great coverage. Good luck!
I agree with May that you want to make sure your new insurance will cover IF treatments.
I previously had the UHC PPO and it covered 90%. I think that this depends on the plan your employer negotiated. So, you would want to ask.
Do you know if your new plan will start right away? Sometimes there is a wait time of a month or two. If you switch mid month, I would think that your current plan will cover you for the full month. So, it wouldn't switch until the next month.
I would recommend you call HR at your new job and ask these questions.
I made a similar switch mid IVF cycle last year, but I looked into all these issues first before making the switch. In my case, there was a wait time before the new plan kicked in, so I had to COBRA under the previous plan first.
Make sure to call and ask. I would not make this assumption. The larger the company, the more likely they are self funded, and therefore, not subject to the mandate.
This exactly. You can not assume anything, even in a mandate state. It has nothing at all to do with the insurance company, but what the employer has either voluntarily or by mandate will cover. You will want to find all of this out ASAP. GL.
FWIW, I work for a huge IL based co. that offers zero IF coverage, as they are self-funded. My DH also works for a self-funded company, out of Iowa, and they offer $15K lifetime voluntarily.
5 REs + 3 surgical hysteroscopies for septum/lap + 3 failed IUIs
IVF w/ICSI/AH & acu = BFP!, unexplained spontaneous m/c @ 8w2d (our little girl),
FET w/acu = BFP!, B/G twins!, lost MP @19w, dx w/funneling cervix @20w,
twins nearly lost to IC @21w, saved by rescue cerclage, 17P & 16w of bedrest
Our twins born @36w4d via CS when A came foot first
Thankful for every day
I completely agree with holly. DH's company is a very large, well-known organization and now has no IF coverage.
Thank you all!! This is helpful and you're all right, you know what happens when we assume things. I'll call.