my insurance told me that they cover 100% in my physician's office as long as she is in network. Now my confusion comes in with the deductibles. They said the delivery, or anything outside the physician's office has a $4,000 deductible and after that they cover 90%. After we have maxed $6,000 out of pocket they will pay anything.
Does the $4,000 deductible mean that in the year the baby will be delivered I will have to pay out of pocket $4,000 dollars before my insurance actually pays anything? Is that how thta works? Thanks.
Sounds like it. Usually (from what I know with my insurance) any dr visits that go through your insurance and have a copay or cost share will be applied to your deductible. (if you and DH and any other children are on the same insurance, those would count as well.)
TTC since 2008 Dh:34, no issues. Me:31, Endo, slightly hypothyroid, deformed ovary, paracentric inversion. 4 Gonal-F, Cetrotide, HcG, Crinone +TI cycles= all BFN Lap in 2012 to remove large unresolving cyst discovered endo and double lobed ovary. 6 Gonal-F, Cetrotide, HcG, Crinone IUI cycles= All BFN, 1st IVF w/ICSI- June '13 Antagonist: Gonal-F, Menopur, Ganirelix, HcG, Estradiol, Crinone= 7 retrieved, 4 mature, 1 unfertilized, 2 abnormally fertilized, 1 normally fertilized. 2DT of only embryo and our miracle BFP. Our beloved baby boy was born sleeping Oct. 13, 2013 due to pROM/IC/Uterine infection. 2nd IVF w/ICSI- Feb. '14 EPP/lupron/antagonist: Estrace, lupron, HGH, Gonal-F, Menopur, HcG, PIO, lovenox, doxy/dex.=21 retrieved, 16 mature, 15 fertilized!! 5dt of 1 blast/ 6 frozen. BFP! Beta 1 9dp5dt:83.9 Beta 2: 11dp5dt: 145.2 Beta 3 14dp5dt: 497 Please be our sticky rainbow baby!
Yes, I work in med insurance, tht is usually what it means. I would call back just to get clarification. Usually, the maternity benefits either have a copay or deductible. If yours is a deductible you will have to meet the deductible before they pay anything. Once u have met your deductible they will pay 90% of the contracted rate (u will be responsible for 10%) until you reach your maximum out of pocket of 6000. If you call back, make sure to check if the deductible goes toward the out of pocket. Another good thing to check is if the baby will have their own deductible to meet (I've seen tht on some policies). Lastly, most insurance companies cover breast pumps 100%!! I've heard a lot of ppl never know that!
Re: quick question
TTC since 2008
Dh:34, no issues. Me:31, Endo, slightly hypothyroid, deformed ovary, paracentric inversion.
4 Gonal-F, Cetrotide, HcG, Crinone +TI cycles= all BFN
Lap in 2012 to remove large unresolving cyst discovered endo and double lobed ovary.
6 Gonal-F, Cetrotide, HcG, Crinone IUI cycles= All BFN,
1st IVF w/ICSI- June '13 Antagonist: Gonal-F, Menopur, Ganirelix, HcG, Estradiol, Crinone= 7 retrieved, 4 mature, 1 unfertilized, 2 abnormally fertilized, 1 normally fertilized. 2DT of only embryo and our miracle BFP.
Our beloved baby boy was born sleeping Oct. 13, 2013 due to pROM/IC/Uterine infection.
2nd IVF w/ICSI- Feb. '14 EPP/lupron/antagonist: Estrace, lupron, HGH, Gonal-F, Menopur, HcG, PIO, lovenox, doxy/dex.=21 retrieved, 16 mature, 15 fertilized!! 5dt of 1 blast/ 6 frozen. BFP! Beta 1 9dp5dt:83.9 Beta 2: 11dp5dt: 145.2 Beta 3 14dp5dt: 497 Please be our sticky rainbow baby!
LFAF Summer 2016 Awards:
If you call back, make sure to check if the deductible goes toward the out of pocket. Another good thing to check is if the baby will have their own deductible to meet (I've seen tht on some policies).
Lastly, most insurance companies cover breast pumps 100%!! I've heard a lot of ppl never know that!
Good luck!