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Insurance coverage

sarahjerisarahjeri member
in Third-Party Reproduction
When I go back to work in the fall, my insurance coverage is such that up to 6 attempts of IVF are covered *IF* FSH is under 25.  Mine is no where near 25, but our donor's was 7 when it was checked prior to retrieval.  So my question is, how many people have had success with insurance companies covering things that they don't normally cover because it's not our cells being used?  I'm not sure I'll be able to use this insurance this year anyway because of my start date to work is after when we want to do the FET, but I'm curious for future knowledge.
*****siggy*****
Me: 33 (Mosaic Turner's Syndrome/POF) 
DH: 35 (no male factor)
3/10 - Foster Mr. T for 1 month
3/11 - Foster AL for 1 year
7/11 Known donor retrieval 7 fertilized 
7/11 DE Transfer -BFP & 5 FE
4/9/12 Miracle baby girl arrives!
Planning for FET 7/14


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Re: Insurance coverage

  • Mrs.McIrishMrs.McIrish member
    edited April 2014
    Coverage for donor egg IVF was totally different under my insurance and had different criteria than OE IVF. I used up all my coverage already so we were OOP for the program we are in now but they still covered my bloodwork/ultrasounds/testing. The insurance company should have a written policy you can get that governs use of donor eggs.

    TTC #1 since 8/1/10; Me:41 and BRCA1+, DH:46
    DOR (FSH 24.3)/ terrible egg quality ; homozygous MTHFR c677t
    5 IUI's: 2/11 to 6/11 and 1/12= BFN
    OE IVF#1-4 8/11-6/12= all BFN
    DE IVF#1 11/12 bad embryos= BFN
    DE IVF #2 2/13 BFP/Beta hell: m/c 5w6d
    CFNBC 7 months, not doing well; decided on guarantee program at RBA w/frozen DE
    DE IVF #3 1/14  ET 4BB; BFP;M/C 5w1d, incomplete m/c; MVA extraction in ER 7w1d

    DE FET#1 ET 3/1714; BFP, beta 1 3/27= 197, beta 2 3/31= 1586, beta 3 4/7= 13879!!
    First u/s= Twins with HBs at 6w2d! We are Team Pink x 2!!

    K & K born 11/21/14 at 38wks 4 days

    imageimage

    SAIF/PAIF Welcome


    http://waitingforraintostop.wordpress.com

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  • chicagobride_07chicagobride_07 member
    Yes, our policy has separate coverage for DE and surrogacy as well. Call your insurance's customer service and they should be able to go over your benefits. These will vary from plan to plan.

    image
    DOR and AMA
    2/12-5/12: 4 IUI cycles = all BFN;
    7/12: DE IVF # 1 (with ICSI)- 20R, 16M, 14F, 5DT of 2 blasts; 6 frosties = BFN;
    Lupus anticoagulant initially high, then found to be normal on hematology consult;
    Follow up testing in September all clear;
    Started synthroid for "high normal" TSH;
    FET # 1- late October 2012- BFP on FRER; beta # 1- 21(low), beta # 2- 48 (still low), beta # 3- 132, beta # 4- 1,293; beta # 5- 5,606; last beta- over 100,000. First u/s 11/21- heard heartbeat
    12/12- Officially an OB patient!
    Level 2 ultrasound at 20 weeks shows vasa previa and VCI
    Referral to MFM and mandatory c section for delivery
    Beautiful baby girl born at 34 weeks
    Finally home after 15 day NICU stay!
    Trying for sibling: FET # 2- May 2014; beta 5/31, BFN
    FET #3, early July 2014; beta 7/14, BFN
    DE IVF # 2- August 2014; 14R, 13M, 11F, 5dt of 2 blasts (3 AA), 5 frosties = BFN
    FET #4- December 2014, yet another BFN

    Dr. KK work up shows borderline uterine blood flow, elevated NK cells, and MTHFR mutation (homozygous for c677t)

    Added baby aspirin, prednisone, supplements, Metanx, and intralipids

    Switched to large clinic for final attempt; had endometrial receptivity testing in January; FET March 2015 = yet another BFN

    Likely OAD- NBC

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  • cc+mmcc+mm member
    Our insurance covered the bulk of our DEgg cycle except the donor fee and clinic admin fee. There was a specific policy for DE coverage that was listed in over coverage documents.
    8/2011: Diagnosed with ovarian cancer, ovaries and tubes removed

    12/2011: Finished chemo

    5/2013: Cleared for DE IVF

    11/13: DEgg IVF#1

    8/5/14: Grace was born!

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