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Puppy-Love
LIF Adult
Member since 7/10 1394 total posts
Name:
J
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Insurance Question...
I have a new job and trying to decide if this is a better plan than my hubby's. A friend of mine at the office said there is only diagnostic coverage for IF however here is what it reads: "Benefits are provided for certain services related to the diagnosis, treatment and correction of any underlying cause of IF." And a little side note stating exclusions "Artifical Insemmination and IVF." So my question is…would a medicated cycle be covered. This is so gray to me.
Message edited 11/22/2011 3:17:56 AM.
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Posted 11/22/11 3:12 AM  |
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CindySN23
Stop, Think & Breathe...
Member since 8/11 3550 total posts
Name:
Cindy
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Re: Insurance Question...
I would check with the insurance company and confirm that IF treatment is covered....it sounds like the exclusions dont really cover IF treatment but I would ask
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| Posted 11/22/11 7:09 AM |
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Re: Insurance Question...
Meds might be in the treat and correct category.
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| Posted 11/22/11 6:29 PM |
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alli3131
Peanut is here!!!!!!
Member since 5/09 18388 total posts
Name:
Allison
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Re: Insurance Question...
Sounds like cycles would not be covered but if you needed surgery to correct an infertility issue that would be covered.
Meds are sometimes covered in a different section so you could have some meds covered but not the actual IUI or IVF.
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| Posted 11/22/11 7:23 PM |
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maybeamommy
Blessed beyond belief
Member since 10/07 17048 total posts
Name:
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Re: Insurance Question...
It sounds like they would cover medications and bloodwork but NOT IUI or IVF
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| Posted 11/22/11 8:11 PM |
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gina409
TWINS!
Member since 12/09 27635 total posts
Name:
g
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Re: Insurance Question...
i would def call and find out exaxctly..i found out the hard way what crappy rx coverage we had when i thought it was good,kwim? better to know before
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| Posted 11/22/11 9:48 PM |
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Re: Insurance Question...
This sounds like my husband's prior insurance, they only paid for the blood and sono's but the IUI, or anything else related to IVF and meds were all out of pocket because I was never 'diagnosed' with anything other than unexplained fertility.
Hope that helps, I know its very frustrating and make IF even harder when you dont have the cash reserve to cover everything.....
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| Posted 11/22/11 10:04 PM |
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Puppy-Love
LIF Adult
Member since 7/10 1394 total posts
Name:
J
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Re: Insurance Question...
Ok thx girls, I am gonna call mine and hubby's insurance and ask more questions. The reps who answer the phones are usually clueless ughh.
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| Posted 11/23/11 4:03 PM |
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FlowerWife
Positive Vibrations...
Member since 1/08 8423 total posts
Name:
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Re: Insurance Question...
sounds like my old insurance which didnt cover anything that was filed under INFERTILITY but did cover stuff filed under PCOS. therefor it only covered certain meds, injectables like follistim were not covered, but things like provera and sonos were covered.
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| Posted 11/23/11 6:16 PM |
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