I did, but I never had to use it. I have Empire's Goevernment Employee's Plan, and they cover 2 IVF attempts.
LisaW
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But thats only if you work for the gov't, right?
JennRenee
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I don't know. I'm a teacher... I don't know if I'm considered a gov't employee... ? I guess maybe I am.
LisaW
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Grrrrrrrrrrrr...
I hate insurance! Why is it all so confusing?
I need to find a policy that includes IVF.
I know Oxford has one up to $10,000 but that is just one try and what if I don't get pg the first time?
Kathi
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We have the Empire Plan, too. DH works for the MTA. I think it's the same, 2 bouts of IVF are covered.
Good luck!!
LisaW
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Is Empire the same as Empire Blue Cross Blue Shield?
Kathi
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It is BCBS, but a different 'division' of it, I believe!! Sorry, I'm not positive!!
JennRenee
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Kathi, I think you're right, but I'm not positive either.
MichelleW
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Steve has GHI I think we might have either 2 or 3 attempts, BUT he is a city employee.
If I have to go that route I have to switch to his insurance because mine only gives you a lifetime cap of $10,000.
LisaW
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Michelle, do you have Oxford?
Scotts new job will have that with the $10,000 cap. I heard rumors though that Oxford will be discontinuing that kind of coverage upon renewal of the policy (at least for small businesses).
Our luck @@
The company might be looking to change insurance companies anyway so I thought I'd give them some ideas on who to go to
MichelleW
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No Lisa I have United Healthcare and they will only give you 10,000 for treatment for your lifetime, which really isn't very much
LisaW
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I think thats what Oxford has, but I'm pretty sure the $10,000 cap is on advanced infertility services such as IVF, FET, etc.
I have Aetna now and it covers my surgeries, testing and 6 IUI's, but not IVF at all
Its really amazing that these companies offer you practically NOTHING for these procedures. I wish we lived in a state that had mandated advanced infertility procedures.
Stef28
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All I know -- b/c I recently looked at my plan too is that they cover 90% of fertility up to $25,000. I would think that would include IVF treatments -- but I'm not sure.
I work in NC but my insurance is through United Healthcare.
shamma
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All these questions that you ladies are bringing up are all valid and make me take a closer look at what these darn plans are offering. I have Oxford, I guess I better take a closer look.
LisaW
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I originally thought that my current policy covered IVF. It says it covers 6 courses of artificial insemination per lifetime. I didn't realize that it meant IUI's not IVF until I called them to confirm.
Boy, I was NOT happy.
michele31
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Most plans will not cover infertility treatments at length. Some give you doctor visits and meds but few give any 'real' coverage for other procedures. I think mine has a $10 or $20K cap on a one-time procedure. The sucess rates of some procedures is very low, so if you need more than one try you will probably have to pay it out of pocket.
