IF treatments and health care coverage?

Hey Ladies,

I just received my first bill for preliminary exams at LI-IVF. This bill was specifically for the progesterone test, and it came out to $640.00 from Quest. I have Empire (teacher) and I was told that my health insurance is one of the best and would cover everything. This to me is not covering everything. I have to go for the HSG procedure next week, and I'm nervous as to how much that will cost if my health insurance is not comprehensive.

I know I really just have to call Empire on monday, but I was wondering if anyone would give me insight before then.

Thank you!

(PS - I realize the road to the BFP can be costly, and I'm willing to endure, but I just thought I had really good insurance that would cover the expenses...)

Re: IF treatments and health care coverage?

I had something like this happen to me with Quest. With my situation, they were not given my insurance number or info, so after I gave it to them, it went through. I am sure it is an oversight.

Re: IF treatments and health care coverage?

I'm pretty sure you shouldn't be using Quest anymore with Empire and that may be why you got a bill.
We have Empire/United Healthcare (NYS Courts) and use Enzo Labs for all testing.

Re: IF treatments and health care coverage?

Re: IF treatments and health care coverage?

Re: IF treatments and health care coverage?

I have Empire United Healthcare and went to LI IVF. All my labwork went to Enzo and was covered. I would just get a bill from Enzo for the co-pay. They should have known not to send yours to Quest anymore. I would contact LI IVF! My HSG was covered too and all I had was a co-pay. I went to Nassau Radiological.

Re: IF treatments and health care coverage?

IF they sent your bw to a lab your insurance doesn't cover. then thats the office's fault.
I would try calling your ins. company too - I had a problem with a lab a few months ago - turned out the doctor's office had billed it wrong. THe insurance co. took care of it for me.

Re: IF treatments and health care coverage?

Thanks for all of your help. One bill came back for 110.00 sent through Enzo, and the other for 640.00 was sent through Quest. I'm not sure why both of the bills didn't go through the same place.

I'm nervous to get the HSG and blood panel done with this confusion.

I hope when I call on Monday, they could just resubmit my info through Sunrise Med. Labs to get this taken care of.

Is this a fairly easy situation to reconcile? My blood work is on Tuesday and HSG procedure on Friday. AH!

Re: IF treatments and health care coverage?

did you call empire and get authorization for infertilty services yet i made that mistake too my dh had a SA before getting authorization and we had to pay for it out of pocket



oh yeah and empire no longer deals with quest either enzo or labcorp and sometimes empire will remeberse me or send me a check to send to them

Message edited 3/29/2008 7:20:09 PM.

Re: IF treatments and health care coverage?

Re: IF treatments and health care coverage?

Re: IF treatments and health care coverage?

call united healthcare this must be done before you start 1-877-769-7447 and follow the instructions and they will give you an authorization number right there and then

Re: IF treatments and health care coverage?

with the enzo bill, fill out the insurance info. on the back and mail it back to them. they will process it then.

Re: IF treatments and health care coverage?

Thank you!!!

I hope this works out... I don't need this added stress!

Re: IF treatments and health care coverage?

don't get yourself all stressed out calm down

things are going to work out OK

if you go to a center of excellence like the one in PJ i think its LI IVF it is covered 100% with no copays I decided to go out of network b/c I liked the Dr better then the other and paid copays for 2 rounds and my INS paid 80% which was good for me we took 5 tries to get PG and with only 80% taken out of my lifetime max we ended up being able to do more tries and then after the first 2 rounds they told me about a financial hardship program where they just except the 80% now i no longer pay copays or the 20% so it ended up working out for me

Message edited 3/29/2008 8:52:37 PM.

Re: IF treatments and health care coverage?

that's strange- I have empire insurance and there are signs up in their office that they are the primary lab for empire blue cross blue shield--- that's why I've been using them (and that's who my office sends me to b/c they're across the street from the drs)

Re: IF treatments and health care coverage?

Re: IF treatments and health care coverage?

Re: IF treatments and health care coverage?

they are supposably paying 80% to quest who knows...

Re: IF treatments and health care coverage?

Posted by MrsMessina

Posted by mommy-of-2-angels

Posted by MrsMessina

that's strange- I have empire insurance and there are signs up in their office that they are the primary lab for empire blue cross blue shield--- that's why I've been using them (and that's who my office sends me to b/c they're across the street from the drs)

as of Jan 1st empire dropped quest b/c they were charging them more money for lab tests i now use sunrise enzo or labcorp

good to know- no one has told me that yet... I just got bloodwork done there the other day too.....

Message edited 3/29/2008 10:42:03 PM.

Re: IF treatments and health care coverage?

Re: IF treatments and health care coverage?

Re: IF treatments and health care coverage?

You should be using LabCorp, or a lab with your ins coverage. I work for a dr. and that is the lab we use w/ the ins you have. I would call the supervisor at quest and tell them what happened and maybe they will accept whatever your ins pays. HTH

Re: IF treatments and health care coverage?

I have my first consult with LI-IVF this wednesday and just spoke with one of the girls there. She said she called Empire, and I'm covered for $50K.

If/when procedures are necessary, I'd have to get a referral.

Good luck!!!!

Re: IF treatments and health care coverage?

I have Empire and they used Enzo or Sunrise and its covered. They don't participate with Quest anymore.

And I don't think you have to call for authorization until you're going to do IVF. That was my experience, anyway.