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insurance experts- what does this mean?!

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cateyemm
Twins!

Member since 7/10

8027 total posts

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insurance experts- what does this mean?!

I was talking with my ins co about how I need 12 IUIs before moving onto IVF Chat Icon

She said in the contract, it says I can do up to 3 IUIs per cycle. I told her that physiology doesnt allow for that! She said "well its in the contract, which probably wasnt written by a doctor- but that's what it says!" It seems to me that this might be a way to side step the issue, I just don't quite understand how!

Otherwise, I will have the doctor appeal for IVF based on other (very valid) reasons.

But anyone ever hear of this?

Posted 8/12/11 11:03 AM
 
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MrsMessina
Thankful for our miracles!

Member since 2/07

7254 total posts

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Re: insurance experts- what does this mean?!

Not sure but I would think back to back IUIs count as 2... so maybe they mean 3 a month which means (if your dr would do it, or if he could say you did it) it should be 4 months worth of iuis @ 3 a month... at least that's what I understand from it, though I'm not an insurance expert. HTH! Chat Icon

I would think a dr could override that. My dr overrided mine b/c of my PCOS--- I had so many follicles that he couldn't control them well enough and he couldn't trigger me, so it was a total waste... hth!

Posted 8/12/11 11:11 AM
 

cateyemm
Twins!

Member since 7/10

8027 total posts

Name:

Re: insurance experts- what does this mean?!

Posted by MrsMessina

Not sure but I would think back to back IUIs count as 2... so maybe they mean 3 a month which means (if your dr would do it, or if he could say you did it) it should be 4 months worth of iuis @ 3 a month... at least that's what I understand from it, though I'm not an insurance expert. HTH! Chat Icon

I would think a dr could override that. My dr overrided mine b/c of my PCOS--- I had so many follicles that he couldn't control them well enough and he couldn't trigger me, so it was a total waste... hth!



ohh that makes sense! good to hear yours was overrided- i have the same issue and the same doc. Chat Icon
thanks!

Posted 8/12/11 11:16 AM
 

PennyCat
Just call me mommy :)

Member since 7/08

19084 total posts

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Jib

Re: insurance experts- what does this mean?!

Posted by MrsMessina

Not sure but I would think back to back IUIs count as 2... !



Back to back count still count as one. It's counted per cycle, not per iui.

Posted 8/12/11 11:17 AM
 

PennyCat
Just call me mommy :)

Member since 7/08

19084 total posts

Name:
Jib

Re: insurance experts- what does this mean?!

Sorry can't edit from my phone but wanted to add I was able to get it overrided too.

Posted 8/12/11 11:18 AM
 

cateyemm
Twins!

Member since 7/10

8027 total posts

Name:

Re: insurance experts- what does this mean?!

Posted by PennyCat

Sorry can't edit from my phone but wanted to add I was able to get it overrided too.



yay!

Posted 8/12/11 11:19 AM
 

cateyemm
Twins!

Member since 7/10

8027 total posts

Name:

Re: insurance experts- what does this mean?!

Posted by PennyCat

Posted by MrsMessina

Not sure but I would think back to back IUIs count as 2... !



Back to back count still count as one. It's counted per cycle, not per iui.


duh i just noticed you wrote this.
soo then what the heck do they mean?! anyone else?

Posted 8/12/11 1:24 PM
 

classc1
LIF Adolescent

Member since 6/10

805 total posts

Name:

Re: insurance experts- what does this mean?!

I would have thought that it meant back-to-back IUIs...but never heard of anyone doing three!!! See if your insurance company counts back to back iUIs as one...Im sure Penny is right..but...you never know..maybe your carrier is different.

I too got a waiver. It can be done....

Posted 8/13/11 1:36 AM
 

SecretTTCer
LIF Adult

Member since 6/08

2284 total posts

Name:

Re: insurance experts- what does this mean?!

Are you sure they aren't talking about an INSURANCE cycle (e.g., calendar year)?

Posted 8/13/11 10:06 AM
 

cateyemm
Twins!

Member since 7/10

8027 total posts

Name:

Re: insurance experts- what does this mean?!

Posted by SecretTTCer

Are you sure they aren't talking about an INSURANCE cycle (e.g., calendar year)?



No, definitely not

Posted 8/13/11 10:14 AM
 
 

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