Lifetime infertility reset?

MarieD19 · August 2011

Hi was just wondering if anyone had any experience or advice on how one might reset there lifetime infertility insurance max? Would switching jobs to a new company work? If i have say United at my company an used it up and then we switched to say United at my husband's job would the lifetime allowance reset?

Just looking for any advice or strategies from anyone who has had success with this as we have maxed out our insurance and want to continue but cannot afford to.

Thanks in Advance for your advice

Ann

bumpuser794640 · August 2011

I'm pretty sure you'd have to switch insurance companies. Switching to a policy under your husband's name but still with the same insurance company wouldn't do anything, I don't think.

Mrs.McIrish · August 2011

I don't think that even switching ins companies will do it. I have primary and secondary ins from 2 different companies. The IF guidelines for the secondary specifically says that any prior treatment (that I have done) would count towards the lifetime max cycles even if paid by someone else.

Mrkyrain · August 2011

I'm not even sure that you could change insurance companies. I don't know what the current law on pre existing conditions is. It's possible that you would get denied coverage. I have another funky medical condition besides the infertility and have been afraid to try and change insurances.

MarieD19 · August 2011

Hmm interesting thanks for the replies.. Anyone else try or have any experience with this both positive or negative?

naybird · August 2011

It's my understanding that you have to switch insurance companies. So if you have United, you would need to change to Blue Cross, Kaiser, etc.

My cousin reached her lifetime IUI max with Atena, and I suggested she switch to Kaiser at open enrollment. She did that, and was able to cycle with Kaiser.

There may be certain restrictions in different states and the guidlines set by the employers plan. So try talking to your HR rep and also your DH's HR rep.

Also, I believe a pre exsisting condition can only be denied if it's a private plan or if there has been a lapse in insurance coverage. Not If it's through an employers plan, and you went from your last job to your current job, they shouldn't be able to deny a pre exsisting condition. Again, this is is based on CA guidelines.

(one of my best friends works in HR)

Good luck to you!

jessican08 · August 2011

naybird:

It's my understanding that you have to switch insurance companies. So if you have United, you would need to change to Blue Cross, Kaiser, etc.

My cousin reached her lifetime IUI max with Atena, and I suggested she switch to Kaiser at open enrollment. She did that, and was able to cycle with Kaiser.

There may be certain restrictions in different states and the guidlines set by the employers plan. So try talking to your HR rep and also your DH's HR rep.

Also, I believe a pre exsisting condition can only be denied if it's a private plan or if there has been a lapse in insurance coverage. Not If it's through an employers plan, and you went from your last job to your current job, they shouldn't be able to deny a pre exsisting condition. Again, this is is based on CA guidelines.

(one of my best friends works in HR)

Good luck to you!

This. I'm with BCBS and have used most of my IF coverage. I'm switching to my DH's insurance later this year (Aetna) because he also has IF coverage. We've called his carrier several times to get the details and they didn't have any concerns with this. GL!

Toni79 · August 2011

Wow! I'm so glad you asked this question. I'm getting close to my lifetime max with Aetna (through DH's work). So this gives me something to think about and consider.

CeeCee82 · August 2011

UGH!!! That's my problem too. I reached my max with United as well. I haven't found a solution but I haven't tried. It's too stressful for me right now.

MarieD19 · August 2011

Well at my company i have straight up United and i have just reached my max. Enrollment is in November and i am wondering if i should switch to the Aetna plan at my company or if I should drop my insurance and have my husband who is offered Oxford (a United company) at his company and go on his plan during enrollment. Not sure if lifetime max is a company offering or a health plan company max? My husband works at a small company and his boss is totally on board with trying to help us out but just want to make sure we don't switch in vain

Anyone else have any advice or experience in this matter? Just don't want to make the wrong decision.

Thanks again in advance for any advice or similar experience

naybird · August 2011

MarieD19:

Well at my company i have straight up United and i have just reached my max. Enrollment is in November and i am wondering if i should switch to the Aetna plan at my company or if I should drop my insurance and have my husband who is offered Oxford (a United company) at his company and go on his plan during enrollment. Not sure if lifetime max is a company offering or a health plan company max? My husband works at a small company and his boss is totally on board with trying to help us out but just want to make sure we don't switch in vain

Anyone else have any advice or experience in this matter? Just don't want to make the wrong decision.

Thanks again in advance for any advice or similar experience

I would think that if Oxford is a part of United Health Care, you may run into problems. Usually a lifetime max means, insurance company life time max. Not employer lifetime max. So I would check out the Aetna plan if I were you.

If you do pursue Oxford, and someone tells you that you will be covered, be sure to get it in writing! Always watch your own back. You would hate to have to sit out for a year, and sometimes those insurance complanies can be tricky!!

Good luck!

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