i work for the State of Utah and our health insurance only covers 50% of IF diagnostics and procedures. It does not cover IVF at all. Good luck on your journey!

MY INSURANCE, AETNA, IS NOT COVERING ANYTHING. I HAVE SPENT ABOUT $2500.00 TO DATE. I WAS TOLD THAT INFERTILTY COVERAGE DOES NOT EXIST?????

Hi,
I live in Massachusetts, where all insurance companies are required to cover not only infertility testing, but also infertility treatment. I have friends in other states struggling with the same issues, and none have the coverage we enjoy here.

I am able to do a complete cycle of IVF with an out of pocket cost of less than $200. All I pay are copays on office visits and perscription drugs.

I hope things work out for you. I also hope that more states will require insurance companies to cover infertility. I'm sure they will never do it on their own.

If you go to inciid.org, they have a list of insurance providers who cover infertility treatments.

My insurance covers half of all infertility medications, and full coverage of artificial insemination- anything after that is not covered, like IVF. Hoping we don't have to go that far!

I am insured by Anthem BC/BS PPO and this insurance is fabulous. If you use an "in-network doctor" my insurance covers 100% of IVF for 4 times and it will cover IUI 100% for 24 cycles. It has also covered 100% of our infertility testing.

Our drug card also covers our fertility meds up to a $10,000 maximum lifetime limit.

The only thing our insurance has not covered is our IVF teaching class which costs us $180.

We are about to undergo our first cycle of IVF in March. We have spent $300 in co-pays on fertility testing, $500 for IVF (because we chose an out-of-network specialist), $250 for all fertility meds, and $180 for the IVF class.

P.S. I do not live in Massachusetts and BC/BS still provided me fertility coverage.

I also have BC/BS PPO, however the group I am in does not cover fertility treatments until I have been with my employer for 5 years. I live in Illinois, they *do* have a law that requires infertility coverage, however my employer is "self-insured" and therefore not subject to this law.
I checked out the inciid website (thankyou Char), but wasn't able to find any specific plans (i.e. insurance coverage groups) that will cover treatment. My insurance IS listed among those that "may offer infertility treatment coverage to employers"

Thanks to all of you for the info - if nothing else it satisfies my curiosity!

Anyone have out-of-pocket insurance that covers treatment? I was wondering if I should purchase supplemental coverage to save me money.

The only problem I have with coverage is that I need to pay 100% for 6 unsuccessful cycles before they will start paying. This is because I do not have a partner. I live in Massachusetts.

Door, that is terrible! They would pay sooner if you had a partner? That sounds discriminatory to me. 6 Cycles of a particular treatment or combined treatments?

I have to pay for everything except for diagnostic tests for the first 6 cycles that they attempt to get me pregnant. I have to pay for all the meds, the procedures, and any other costs. It doesn't matter what type of attempt it is, insemination or IVF. Whatever they do, the first 6 cycles of attempts I need to pay 100%.

It does sound pretty harsh that I have to pay and a couple doesn't. The reason supposedly is that the couple is supposed to try on their on by the normal means for at least 6 months (at my age, must be 12 months for young couples). So, once a couple comes into infertility they are already "deemed" infertile. Since I haven't been having unprotected sex (or any sex for that matter) they say I am not considered infertile yet. The insurance doesn't cover anything for women that don't have fertility problems. So until they see I have failed 6 times I am not considered infertile and don't qualify for any coverage.

Intellectually I can understand that. But it does suck.

Oh, I understand better now, thanks for the clarification. It does suck though! Best of luck to you Door :)

My plan only covers up to $3,000 of infertility treatments. As you all know that can be nothing in the world of infertility. We are currently looking into my husband's plan. We think his might cover more so cross your fingers for us for that.

I have coverage of $25,000 per year. 6 IUI yearly 3 IVF lifetime. Covers NO injectables!!!
That is through Aetna POS. We live in PA. I did have to pick a fertility rider (premium package over basic) when we got the insurance through hubby's work. It is more expensive monthly, but worth it.

I have Aetna PPO. They are not bad for me TTC. My fertility drug charges are $5.00. I read in an article ysterday, which lists 50 TOP Companies to work for that covers Infertility AND Adoption.

1. Abbott Laboratories
2. Accenture
3. AIG American International Group
4. Alston & Bird
5. Arnold & Porter
6. AstraZeneca
7. Avon Products
8. Bank of America
9. Baker & McKenzie
10. BMW Financial Services
11. Boston Consulting Group
12. Campbell Soup
13. CareerBuilders.com
14. Caremark RX
15. Chevron Corp.
16. CMP Technology
17. Cornell University
18. Credit Suisse
19. Deutsche bank
20. DuPont
21. Eli Lilly
22. Ernst & Young
23. Fairfax County Public Schools
24. Fannie Mae
25. Freddie Mac
26. Hewitt Associates
27. Honeywell
28. IBM
29. Inova Health Care System
30. Johnson & Johnson
31. JPMorgan CHase & Co.
32. Lehman Brothers
33. Merrill Lynch & Co.
34. Microsoft Corp.
35. Pricewaterhouse-Coopers
36. Procter & Gamble
37. SAS Institute
38. Stanford University
39. Staples
40. Subaru of America
41. Timberland Co.
42. Time Inc.
43. Turner Broadcasting System
44. UBS AG
45. Valero Energy
46. Vanguard Group
47. Verizon Communications
48. Wendy's International
49. Xerox Corporation
50. Yale University

If you want, please feel free to email me to find out what each of these 50 company pays up to on Infertility and/or Adoption.

It's a very interesting article!!!

Good Luck and TONS of BabyDust!!!

I work in the insurance industry. Usually the employer group will elect to have it for their employees. In some states like Massachusetts, Arkansas, Calif, New York, it's mandated by the state. That means the state has to pay for the benefit. I think that it's BS that all states don't have this. My ins company pays for $1000 (united health care) I work for them too! And then it covers 85%. This benefit is just for doing artificial insemination. Bast&&#s!

Most people don't have the insurance coverage for treatment of infertility. Lots of insurance companies will pay for diagnostic work up's.

With regard to individual plans, the ones I've come across won't pay for it. Individual plans hardly pay for maternity coverage.

I live in Arizona, unfortunately no infertility benefits.