OOP

rockpaperlove · August 2011

My current insurance provider through my company pays 50% of select IF treatements. They do not pay for IVF or IUI so we would be paying OOP. Should I switch to a different provider who pays toward these treatments before starting IUI and possibly even IVF? My husband owns his own company and we could switch from my company provider to a private business owner provider, but I am not sure how to get the process started? Any advice is appreciated.

DrRx · August 2011

We did a round of IUI OOP because our plan at the time didn't cover fertility treatments. It came out to be about $800 or so, and it will depend on how much monitoring you need.

sarahtoledo · August 2011

Very, very few plans open to small business owners will cover IVF. At least in my state (and OH is one that mandates some IF coverage).

MH is self-employed, too, and there is not a single plan we can get with any IVF coverage. I've worked with two different brokers to confirm this. Meds or IUI might be covered under different plans, but I haven't found one yet.

If YH owns a larger business or things are different in your state, it's possible. But don't get your hopes up. Sorry to be a downer.

inlovewithB · August 2011

sarahtoledo:
Very, very few plans open to small business owners will cover IVF. At least in my state (and OH is one that mandates some IF coverage).
MH is self-employed, too, and there is not a single plan we can get with any IVF coverage. I've worked with two different brokers to confirm this. Meds or IUI might be covered under different plans, but I haven't found one yet.
If YH owns a larger business or things are different in your state, it's possible. But don't get your hopes up. Sorry to be a downer.

This is pretty accurate here in FL too! I used to sell health insurance and there are absolutely NO plans available to businesses who employee less than 50 people that have any IF treatment benefits in our state.

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