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cateyemm
Twins!
Member since 7/10 8027 total posts
Name:
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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 
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?
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Posted 8/12/11 11:03 AM  |
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MrsMessina
Thankful for our miracles!
Member since 2/07 7254 total posts
Name:
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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! 
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!
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| Posted 8/12/11 11:11 AM |
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cateyemm
Twins!
Member since 7/10 8027 total posts
Name:
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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!
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. 
thanks!
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| Posted 8/12/11 11:16 AM |
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PennyCat
Just call me mommy :)
Member since 7/08 19084 total posts
Name:
Jib
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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.
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| Posted 8/12/11 11:17 AM |
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PennyCat
Just call me mommy :)
Member since 7/08 19084 total posts
Name:
Jib
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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.
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| Posted 8/12/11 11:18 AM |
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cateyemm
Twins!
Member since 7/10 8027 total posts
Name:
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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!
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| Posted 8/12/11 11:19 AM |
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cateyemm
Twins!
Member since 7/10 8027 total posts
Name:
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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?
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| Posted 8/12/11 1:24 PM |
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classc1
LIF Adolescent
Member since 6/10 805 total posts
Name:
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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....
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| Posted 8/13/11 1:36 AM |
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SecretTTCer
LIF Adult
Member since 6/08 2284 total posts
Name:
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Re: insurance experts- what does this mean?!
Are you sure they aren't talking about an INSURANCE cycle (e.g., calendar year)?
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| Posted 8/13/11 10:06 AM |
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cateyemm
Twins!
Member since 7/10 8027 total posts
Name:
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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
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| Posted 8/13/11 10:14 AM |
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