Infertility, Secondary Support Group

"Secondary infertility" is difficulty conceiving after already having conceived and carried a normal pregnancy. Apart from various medical conditions (e.g. hormonal), this may come as a result of age and stress felt to provide a sibling for their first child.

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Women's Health
/ Infertility, Secondary Support Group

INSURANCE POLL

deleted_user
deleted_user
HEY EVERYONE I WAS JUST WONDERING HOW MANY OF YOU ACTUALLY HAVE INSURANCE THAT COVERS INFERTILITY? JUST CURIOUS MY DH AND I HAVE BEEN THINKING ABOUT IVF AND THE COST IS OUTRAGOUS AND OF COURSE HIS INSURANCE COVERS NONE OF IT. I WAS TALKING TO THE NURSE AND SHE SAID IT IS MORE RARE TO FIND AN INSURANCE TO COVER INFERTILITY THAN IT IS TO FIND ONE THAT DOESN'T. THIS REALLY MAKES ME MAD THAT MORE DO NOT COVER SOMETHING THAT IS BECOMING MORE COMMON.NOW I KNOW WHY THERE ARE SO MANY GIVING UP ON THEIR DREAMS OF HAVING THEIR OWN CHILDREN BECAUSE THEY CAN ONLY AFFORD SO MUCH.WELL AGAIN JUST CURIOUS TO SEE THE NUMBERS.
deleted_user
deleted_user
I have BC/BS HMO and they covered the ultrasounds, SOME fertility meds, and all tests (HSG, sperm analysis, etc.) to figure out the CAUSE of the infertility. They did not cover IUI or IVF though (thankfully we didn't have to go that far!).
deleted_user
deleted_user
I have BS of ID a small group plan for our business. I has absoulutly no infertility coverage. I tried looking into ins that does cover, but could not find one. I was told that only large employers sometimes offer it, and it varies by state. It sucks.
deleted_user
deleted_user
I have Anthem Blue Cross/ Blue Shield. Our plan covers everything IUI, IVF. All the treatments,visits,meds everything. Also I can have IVF if I want to,meaning, I do not have to have 3 failed IUI's or anything
deleted_user
deleted_user
My insurane (Anthem BCBS of Ohio) will not cover ANYTHING related to diagnosing or treating IF, but they WILL however call all medical expenses related to a NON MEDICALLY NECESSARY abortion. Yup. Even goes as far as to define what exactly a medically necessary abortion is and what is non-medically necessary and then states that it covers both. Grr...
deleted_user
deleted_user
It all depends on the state you live in. Some states require that it be covered, but most states do not. My insurance covered 0% of anything having to do with infertility! Everything was out of pocket. I have Cigna healthcare.
Love and Laugh,
Kristen
deleted_user
deleted_user
I have United healthcare and my plan covers $30,000 lifetime $10,000 for drugs and $20,000 towards IVF etc... But it has to do more with your coverage than which company you should choose
deleted_user
deleted_user
I have United and they don't cover anything relating to infertility. BOO!!
deleted_user
deleted_user
I live in Texas and have Scott and White medical insurance and they cover up to IUI's but not IVF. Just curious to know if anyone has medical insurance as a teacher's aide that covers infertility. I'm getting ready to go back to work and am wondering what is usually covered on a employee plan.
deleted_user
deleted_user
I am a teacher and my insurance does cover IVF. I also live in CT and I believe that the state mandates that all group plan policies cover infertility. If you look on the Infertility community they talk about insurance often. You may be able to get a better idea from someone there.
deleted_user
deleted_user
Its not the Insurance co. its your DH's employer that opts out of the coverage. My DH works for a great co. and it just so happens that they don't cover IUI OR IVF thats all out of pocket. They say it cost the co. too much money to cover Infertility. He should talk to HR and see if they will cover it in the near future or if its in the works. I hope this helped.
deleted_user
deleted_user
I don't have any Insurance
deleted_user
deleted_user
I posted a journal entry on insurance and IVF coverage, and it might have some good info for you...Monday, sept10th, 2007. I also just posted a discussion today, about CA BlueCross being sued for not covering enough IVF...take a look at that too. Best of luck, and baby dust all over you.
vlt
deleted_user
deleted_user
I have healthnet and they covered everything, IUI,IVF, but not anesthesia
deleted_user
deleted_user
Well, our insurance covers 80% for drugs, ultrasounds, bloodwork, sperm prep and IUIs (6 cycles per pregnancy) but only a lifetime allocation of $10,000. Now it doesn't cover IVF per say, but it would still cover the above mentioned items, minus the IUI obviously, without anything related to the IVF procedure itself, i.e., egg retrieval, ICSI, embryo fertilization, implantation, I think you get the drift. I hope this helps.
deleted_user
deleted_user
We have Aetna through my DH's work. We are covered for 6 IUI's and up to $15,000 ART. I am incredibly grateful and blessed. We didn't have insurance when we first started trying and the financial toll was enormous. It just adds to the emotional pain of IF. Something needs to change.
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