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-BabyMiracle-
When will my ship come in?
Member since 9/07 1056 total posts
Name:
J
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Insurance Companies
I guess this is somewhat of a vent???
I called mine earlier today to let them know what is going on. They do not pay for ANYTHING related to infertility, whatsoever, NOTHING, ZERO, NADA.
They do however pay for birth control pills, abortions, late term abortions, and morning after pills.
There are no words....anger cannot even begin to describe....
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Posted 4/22/08 8:59 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
MrsJoeG
Beyond Blessed <3
Member since 2/08 1482 total posts
Name:
Amanda
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Re: Insurance Companies
 Been there too, I know exactly how you feel!
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| Posted 4/23/08 7:10 AM |
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MrsMessina
Thankful for our miracles!
Member since 2/07 7254 total posts
Name:
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Re: Insurance Companies
I know what you mean. It's sad that we live in a society that covers preventing children from being conceived, and terminating pregnancies--- instead of a society that accepts all types of medical issues and would cover any meds/procedures to overcome those obstacles.
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| Posted 4/23/08 7:13 AM |
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CAH127
LIF Adult
Member since 7/07 1694 total posts
Name:
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Re: Insurance Companies
Posted by -BabyQuestions-
I guess this is somewhat of a vent???
I called mine earlier today to let them know what is going on. They do not pay for ANYTHING related to infertility, whatsoever, NOTHING, ZERO, NADA.
They do however pay for birth control pills, abortions, late term abortions, and morning after pills.
There are no words....anger cannot even begin to describe....
That is unbelievable!
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| Posted 4/23/08 7:19 AM |
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kmac
Two under two!
Member since 5/07 3703 total posts
Name:
Kris
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Re: Insurance Companies
Posted by MrsJoeG
Been there too, I know exactly how you feel!
Me too. It's so frustrating! I had to come off of DH's insurance and go back on mine so that things would be covered. Can you do something like this?
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| Posted 4/23/08 7:22 AM |
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Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
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Re: Insurance Companies
WOW!! They pay for nothing at all??!! That is crazy. Luckily our insurance paid for everything but if we had to have done IVF we would've been capped at $10K/lifetime max. I think it's terrible that the insurance company would pay to terminate pregnancies but not help those people who want to bring a child into this world. That is such a shame.
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| Posted 4/23/08 8:25 AM |
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babymaybe
LIF Infant
Member since 11/07 264 total posts
Name:
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Re: Insurance Companies
Isn't there a NY state mandate to pay for infertility coverage?
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| Posted 4/23/08 8:36 AM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Insurance Companies
that's awful. I'm so sorry. You may be able to write it off on your taxes though. Can you call your accountant?
It won't help in the short term, but it could help in the long term.
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| Posted 4/23/08 8:39 AM |
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BA2008
Need to find some hope!
Member since 2/08 2485 total posts
Name:
Beth -Ann
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Re: Insurance Companies
I thought IUI had to be covered in state mandate but not IVF. But, I guess it all depends on the plan (cheaper the plan the company gets the less is covered kind of thing). I'm our plan admin so I was looking into it when I found out IVF wasn't covered (we are SB and no one offers teh IVF rider to small bus).
I know they have to cover all tests to make the determination of the IF. I thought NY was one that had IUI mandated. Its so horrible.
With IVF I know some RE's get grant money and if your combined gross is $200k or below you can apply. I wonder if that works with IUI as well. But, I wonder if you can get some of the meds covered because some of the meds can be used for other things besides IUI/IVF. I know that is how they got my IVF meds in through my pharmacy plan.
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| Posted 4/23/08 9:22 AM |
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LeShellem
A new beginning
Member since 2/07 3600 total posts
Name:
LeShelle
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Re: Insurance Companies
Posted by BA2008
I know they have to cover all tests to make the determination of the IF.
This is not true. They do not have to cover diagonostic tests for IF. Mine old insurance actually did but are now refusing to pay. Every insurance company is different.
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| Posted 4/23/08 10:21 AM |
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janie
LIF Zygote
Member since 4/08 4 total posts
Name:
jane
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Re: Insurance Companies
Posted by Hofstra26
WOW!! They pay for nothing at all??!! That is crazy. Luckily our insurance paid for everything but if we had to have done IVF we would've been capped at $10K/lifetime max. I think it's terrible that the insurance company would pay to terminate pregnancies but not help those people who want to bring a child into this world. That is such a shame.
Not to start any drama....but if someone is clearly distressed over insurance not covering their IF needs...why would you post about how your insurance company does cover and how much and stuff. I dont think thats what the OP wanted to hear. I think its kind of insensitive of you.
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| Posted 4/23/08 10:32 AM |
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Donna
1 year already!!
Member since 5/05 3360 total posts
Name:
Donna
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Re: Insurance Companies
Posted by -BabyQuestions-
I guess this is somewhat of a vent???
I called mine earlier today to let them know what is going on. They do not pay for ANYTHING related to infertility, whatsoever, NOTHING, ZERO, NADA.
They do however pay for birth control pills, abortions, late term abortions, and morning after pills.
There are no words....anger cannot even begin to describe....
I'm sorry that you have to deal with this 
But as previous poster said you can look into grants at your clinic, and I think there is still the INCIID scholarship or even being part of an IVF clinical trial - I was going to do one with Univ. of Penn and they covered everything except for some meds.
Good luck!
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| Posted 4/23/08 11:37 AM |
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Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
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Re: Insurance Companies
Posted by janie
Posted by Hofstra26
WOW!! They pay for nothing at all??!! That is crazy. Luckily our insurance paid for everything but if we had to have done IVF we would've been capped at $10K/lifetime max. I think it's terrible that the insurance company would pay to terminate pregnancies but not help those people who want to bring a child into this world. That is such a shame.
Not to start any drama....but if someone is clearly distressed over insurance not covering their IF needs...why would you post about how your insurance company does cover and how much and stuff. I dont think thats what the OP wanted to hear. I think its kind of insensitive of you.
I'm not going to go back and forth but I will say that I was not being insensitive at all and I was offended by your post. I was just saying I was fortunate our insurance covered our needs and how terrible it was that hers did not. Clearly she was not offended as there was no intent to be mean or hurtful. I've been posting on the IF board for a long time, it's where I started because of my own IF issues before getting pregnant, and I am ALWAYS sensitive to the girls on the board and their posts and questions. You are making drama since you're the only one who commented and just so the ladies here know........I was also FM'ed by this poster and was told to "stay on the pregnancy board" which I found to be insensitive and rude and uncalled for. I've never had a problem with a single person on any board on LIFamilies before and I'm not about to start nor will I stop posting along with all the other people on this board who helped me to actually get to the pregnancy board. In the future you should think about what you say before typing it because if anyone was out of line or insensitive it surely was not me.
**EDIT** As I Fm'ed you too, just as an aside, I've been around LIFamilies for a long time and I've never had any negative FM or posts from anyone. I think it was a little ridiculous of you as someone who just joined the board and whose ONLY post was what you said above to be telling me to "stay on the pregnancy board". Again, I started on the IF board and am eternally grateful to all the help and advice I've received from everyone here and I would never intentionally be insensitive or say something to hurt any one of them since I was in their shoes at one point. As I said to you in my FM, perhaps it is you who should stay off the boards until you learn to post something of value as opposed to stirring up drama where there wasn't any. Enough said............this is not the forum for this fighting and I don't want to take up time with this when people here have real concerns and problems. I've said what I had to and I'm done.
Message edited 4/23/2008 6:06:17 PM.
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| Posted 4/23/08 5:44 PM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Insurance Companies
Wow, I can't believe the drama that is happening in the past few days! I don't understand why someone would create a name to tell Kristen that she was being offensive. All this makes me start to think it is the same person doing all this.
Kristen has always been supportive and sensitive and it is crazy to suggest otherwise.
That aside, I think its TERRIBLE how so many insurance companies (and moreover the companies that supply the policies -i.e. who you work for) handles IF. There needs to be so much more education on what infertility encompasses and there needs to be an overhaul of the insurance industry on this topic.
There is a NYC law that says some IF treatment must be covered, but I am not sure of the details. There are also grants you can apply for for IVF as some of the other ladies mentioned.
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| Posted 4/23/08 7:25 PM |
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-BabyMiracle-
When will my ship come in?
Member since 9/07 1056 total posts
Name:
J
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Re: Insurance Companies
Hofstra - I responded to your FM. I appreciate your apology but it was not necessary. I understand where you are coming from/what you meant.
Once we get deeper into this, I am going to look into grants. I just never thought I would have to use my life savings and/or go into debt for something that comes so natural to most people. And to some undeserving people as well (drug addicts, etc)
When I spoke with the insurance company, the lady said that even if the urologist codes something on her paperwork to them with the WORD infertile in it, they will deny it. So he can get checked for cancer, or prostate, or whatever else it is that urologists do, but the minute infertility comes into play, its all out of our pocket.
We are under my insurance company and DH has the same insurance co so it would not make a difference to switch.
I appreciate the responses from everyone and I am going to look into all options/suggestions.
Thanks again and  to everyone.
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| Posted 4/23/08 7:27 PM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Insurance Companies
Do you and your DH work for the same company?
I ask because even though you have same insurance carriers, the coverage from your companies can be different. Its really your company that sets what is covered and what is not, not the insurance company.
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| Posted 4/23/08 7:46 PM |
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-BabyMiracle-
When will my ship come in?
Member since 9/07 1056 total posts
Name:
J
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Re: Insurance Companies
Posted by SweetTooth
Do you and your DH work for the same company?
I ask because even though you have same insurance carriers, the coverage from your companies can be different. Its really your company that sets what is covered and what is not, not the insurance company.
No we don't but its the same type of insurance (PPO) for the same insurance company. We were talking and we can't figure out a way DH can actually call them and find out what they cover without being a member under his company....
Too bad DH does not even have an HR person to go to. It's a very small company.
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| Posted 4/23/08 7:52 PM |
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SweetTooth
I'm a tired mommy!
Member since 12/05 20105 total posts
Name:
Lauren
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Re: Insurance Companies
Posted by -BabyQuestions-
Posted by SweetTooth
Do you and your DH work for the same company?
I ask because even though you have same insurance carriers, the coverage from your companies can be different. Its really your company that sets what is covered and what is not, not the insurance company.
No we don't but its the same type of insurance (PPO) for the same insurance company. We were talking and we can't figure out a way DH can actually call them and find out what they cover without being a member under his company....
Too bad DH does not even have an HR person to go to. It's a very small company.
The company doesn't have a printout of their coverage? I'd try to find out, if you can.
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| Posted 4/23/08 7:59 PM |
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Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
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Re: Insurance Companies
Posted by -BabyQuestions-
Hofstra - I responded to your FM. I appreciate your apology but it was not necessary. I understand where you are coming from/what you meant.
Once we get deeper into this, I am going to look into grants. I just never thought I would have to use my life savings and/or go into debt for something that comes so natural to most people. And to some undeserving people as well (drug addicts, etc)
When I spoke with the insurance company, the lady said that even if the urologist codes something on her paperwork to them with the WORD infertile in it, they will deny it. So he can get checked for cancer, or prostate, or whatever else it is that urologists do, but the minute infertility comes into play, its all out of our pocket.
We are under my insurance company and DH has the same insurance co so it would not make a difference to switch.
I appreciate the responses from everyone and I am going to look into all options/suggestions.
Thanks again and to everyone.
Just out of curiosity, is there some way the doctors could code the treatment under something else in order to get insurance to pay for it? I don't mean lie and cause insurance fraud of course but just kind of a way around the system so to speak? Keep us posted, hope everything works out!!
P.S. Thanks guys for the replies too about that other post. I appreciate it!!
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| Posted 4/23/08 8:03 PM |
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Bops
My 3 wishes
Member since 12/07 13625 total posts
Name:
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Re: Insurance Companies
Insurance STINKS !!! ...Lets hope maybe we get a new president in office who does something about this- IF is stressful enough without us having to worry about the financial end of it...I hope you find a way to work it out (definately inquire about the grant also )
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| Posted 4/23/08 8:03 PM |
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Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
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Re: Insurance Companies
Posted by SweetTooth
Wow, I can't believe the drama that is happening in the past few days! I don't understand why someone would create a name to tell Kristen that she was being offensive. All this makes me start to think it is the same person doing all this.
Kristen has always been supportive and sensitive and it is crazy to suggest otherwise.
Thanks!!
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| Posted 4/23/08 8:04 PM |
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Re: Insurance Companies
ooops sorry wrong board!
Message edited 4/23/2008 8:27:59 PM.
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| Posted 4/23/08 8:27 PM |
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mcl916
my two loves
Member since 10/06 5133 total posts
Name:
Megan
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Re: Insurance Companies
So sorry. I have been there and done this. I cried on the phone with way too many insurance reps. Both DH and I are supposed to have "great" insurance, yet neither was willing to foot a bill for IF. We had to fight for them to even cover the HSG. It's truly heartbeaking. But, we had to move on and figure out what WE were going to do about it since fighting with them was not going to do anything. There are some options available if you look. There is the NYS grant if it's still available (it is renewed year to year) but you have to go to a clinic that particiapates. There are several on LI that do. There are also clinical studies you can take part in if yuo qualify and some pay for just your meds, others pay for the whole cycle. Ultimately, we financed our cycle using a 0% credit card that we paid off in a few months. I tried to look at it like another car payment, but I was getting so much more out of it. Best of luck to you, I'm sure you will be able to make it work for you
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| Posted 4/23/08 8:48 PM |
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-BabyMiracle-
When will my ship come in?
Member since 9/07 1056 total posts
Name:
J
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Re: Insurance Companies
Posted by SweetTooth
Posted by -BabyQuestions-
Posted by SweetTooth
Do you and your DH work for the same company?
I ask because even though you have same insurance carriers, the coverage from your companies can be different. Its really your company that sets what is covered and what is not, not the insurance company.
No we don't but its the same type of insurance (PPO) for the same insurance company. We were talking and we can't figure out a way DH can actually call them and find out what they cover without being a member under his company....
Too bad DH does not even have an HR person to go to. It's a very small company.
The company doesn't have a printout of their coverage? I'd try to find out, if you can.
DH is going to ask! YEA!!! Thanks!
About these grants do I need a RE to find out about them? Or how can I do it or can I do it on my own? Because we went straight from an OBGYN to a urologist. I had an HSG and bloodwork and I am fine - we are looking at MF.
Thanks sooo much for all of your help ladies. You have truly touched my heart today and made me feel better. I don't know what I would do without this board.
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| Posted 4/23/08 9:39 PM |
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-BabyMiracle-
When will my ship come in?
Member since 9/07 1056 total posts
Name:
J
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Re: Insurance Companies
Posted by mcl916
So sorry. I have been there and done this. I cried on the phone with way too many insurance reps. Both DH and I are supposed to have "great" insurance, yet neither was willing to foot a bill for IF. We had to fight for them to even cover the HSG. It's truly heartbeaking. But, we had to move on and figure out what WE were going to do about it since fighting with them was not going to do anything. There are some options available if you look. There is the NYS grant if it's still available (it is renewed year to year) but you have to go to a clinic that particiapates. There are several on LI that do. There are also clinical studies you can take part in if yuo qualify and some pay for just your meds, others pay for the whole cycle. Ultimately, we financed our cycle using a 0% credit card that we paid off in a few months. I tried to look at it like another car payment, but I was getting so much more out of it. Best of luck to you, I'm sure you will be able to make it work for you
Mine paid 90% of the HSG. I have to pay $250! Nothing compared to what I am about to encounter $$$wise I presume....
But I am glad to see you are a success story with you!
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| Posted 4/23/08 9:41 PM |
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