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IVF insurance coverage in Texas

Timgrl1116Timgrl1116 member
in Infertility
Does anyone know if there is a insurance company that will allow you to take out a supplement Insurance policy with IVF coverage? I currently have insurance with my employer but it doesn’t cover IVF or any infertility treatment. Thank you 
9 IUI's = BFN :( Thinking about IVF....
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Re: IVF insurance coverage in Texas

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    kristimh80kristimh80 member
    edited December 2017
    Following...I'm in Texas too. We tried going thru husbands employer and best they could suggest was a flex spending account.  :/ 
    TTC #1 since April 2015
    June 2016 - CP
    2017 - Medicated Cycles & IUI's
    IVF w/ PGS  - January 2018
    FET #1 - April 2018 - BFN
    ERA Cycle May / June 2018
    ERA Biopsy June 2018 ~ Results: receptive (no change)
    FET #2 - July 2018 - BFP <3 Beta #1 - 137 Beta #2 - 410
    U/S #1 7wk1d - HB 144 U/S #2 9w1d HB 166
    Anatomy Scan 1st 11/2/18 2nd AS 11/19
    EDD March 28, 2019
    Baby Girl born 3/26/19  <3



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    mcgeevamcgeeva member
    I just wanted to comment on the flex. I never had coverage for either of my treatments for my boys and I thought the second time around taking the max out of flex was a good idea until it was denied by my insurance company. They told me if it’s not a covered procedure/meds etc that I could not use my flex. I fought and fought this with the insurance company and they wouldn’t budge. I was left losing money I could of used for treatments. So definitely ask before you take a large amount of flex. 

    Married: 5/09 ~ TTC Since: 10/10 ~ PCOS ~ Progesterone from 10/10 - 2/11 ~ HSG on 3/18 - Clear ~ Started Metformin 1000mg & Clomid 50mg 2/11 ~ Metformin upped to 1500mg 4/6 ~ 6/7 Now going to SG and put on Clomid, Ovidrel, Gonal F, Prometrium, Estrace ~ IUI #1 7/2 = BFP!!!!!! March 6th our little man was born. 

    6/17/13 - Ovidrel, Follistim, Prometrium ~ IUI #1 7/2 = BFP! March 17th our St. Pattys day baby arrived

    10/29/17 - Started process for IVF, got pregnant & miscarried a 2nd time since summer. 2/22 started stims - Menopur, Gonal F, Cetrotide - retrieval 3/6 - , PIO, estrace 3xday - FET 4/18 = Beta 1: 616; Beta 2: 1342 = BFP 

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    babyhopeful442babyhopeful442 member
    following...i'm also in texas and my insurance is through my husband. We have 6 iuis covered, but nothing for ivf and it looks like that's where we are headed. I'm even thinking of finding a part time job at starbucks to use their ivf coverage. FYI, i'm not sure where you live, but in the DFW area, there's a lot of great fertility clinics who offer discount programs that give you 70-100% of your money back if you don't take home a baby at the end. It's not the same as insurance coverage, but it gives you a piece of mind and funding if all fails and you need to try again. One is called shared dreams and the other is attain fertility. Good luck
    ***** child/loss TW *****
    Age: 32 DH: 35
    natural pregnancy DD 2012 TTC #2 since 2014
    9/2015 chemical pregnancy
    Initial workup: 
         AMH: 0.898 ng/ml
         Antral Follicle Count: 5
         FSH day 3: 6.56 mIU/ml
         LH day 3: 5.24 mIU/ml
         Estradiol day 3: 46.75 pg/ml

    IUI 1-4 BFN

    IVF #1 After ovulation was confirmed with progesterone levels on CD19. Cetrotide ½ dose X4 doses and minivelle was started CD 20 to continue through stim. Upon AF, started follistim 150 bid and menopur 75 bid on CD3. Started cetrotide 1 dose when biggest follicle reached 13mm. Retrieved 4 eggs out of 12 follicles, 2 PGS normal, FET #1 9/14/18 BFP beta#1 10dp6dt 369, 12dp6dt 1210 
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    spyderbittspyderbitt member
    Hey there dear. I am currently living in Germany. However I am originally from US and have spent majority of my life there. I am not from Texas though. I was born and raised in Cali... 

    I think I might help out just a little. Most of the insurance companies cover IVF. However you have to include fertility treatments on your plan when you first start your contract. These things will make the price higher. 

    Insurance can be a really bit*h at times though... They usually pay for treatments that are very iffy for you, just because they are cheaper. They will also not accept you to sign a contract after your diagnosis. I am sorry to say but based on what I have experienced your chances are slim.

    Have you thought of a bank loan? That might work... Wish you luck!
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    mcgeevamcgeeva member
    I was going to say once I was labeled infertile there was zero coverage for testing or anything. 

    Married: 5/09 ~ TTC Since: 10/10 ~ PCOS ~ Progesterone from 10/10 - 2/11 ~ HSG on 3/18 - Clear ~ Started Metformin 1000mg & Clomid 50mg 2/11 ~ Metformin upped to 1500mg 4/6 ~ 6/7 Now going to SG and put on Clomid, Ovidrel, Gonal F, Prometrium, Estrace ~ IUI #1 7/2 = BFP!!!!!! March 6th our little man was born. 

    6/17/13 - Ovidrel, Follistim, Prometrium ~ IUI #1 7/2 = BFP! March 17th our St. Pattys day baby arrived

    10/29/17 - Started process for IVF, got pregnant & miscarried a 2nd time since summer. 2/22 started stims - Menopur, Gonal F, Cetrotide - retrieval 3/6 - , PIO, estrace 3xday - FET 4/18 = Beta 1: 616; Beta 2: 1342 = BFP 

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