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Baby Corner Message Board > Trying to Conceive Message Boards > Fertility Treatments Good news to start my weekend!!



Good news to start my weekend!!

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Old 10-29-04, 07:06 PM
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Believe it or not, California kinda stinks when it comes to anything with infertility. It's definitely not mandated. My company is based out of NYC, but I think that they have just opted to cover IF in their group policy. We only had 2 choices in 2004: UHC EPO or UHC PPO. For 2005 we now have BC/BS PPO or UHC EPO. The EPO still covers IF, but you have to see in network docs. My RE does not accept UHC ins. so I have to go out of network and need the PPO for the 70% coverage (it sucks because it's double what the EPO would cost...but I am NOT complaining!).

I know with the stink that I threw over what Cigna did to me a couple of years ago, my HR dept. got sick of me and probably decided to really check into the infertility coverage. I all but told the HR people to get their heads out of their @ss and figure out why I was in such a gray area. If you recall, Cigna was trying to deny my IUI coverage due to the fact that I am in a same sex relationship. After appealing with the DMHC out here in Cali, screaming at my HR dept., and generally creating a scene daily, I think HR just said, "Lets get an IF policy that is CLEAR next time, ok?" I wasn't just mad....I was going postal
 
and moments away from calling Dateline, 20/20 and Oprah! LOL!!!! It was discrimination in its finest form and DP and I were NOT standing for that. Just think, had we just shut up and went away I would probably have paid about $60,000 out of pocket by now. Instead, we have probably spent less than $10,000!!!! Sometimes throwing a fit really helps.

They are calling this new policy "Empire" Blue Cross Blue Shield (not sure what Empire means). I called Blue Cross and tried to get a policy on my own that covered IF and the customer service rep said they don't cover IF except through group coverage. Doesn't make any sense, does it? You would think that if you wanted to pay extra for the coverage they would let you. But
 
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Old 10-29-04, 07:46 PM
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Weren't you quitting your job?
 


"not sure what Empire means".......shame on you!!!!! New York is The Empire State. And that's where your policy is written out of. As a New Yorker, I'm telling you to check to make sure you have immediate coverage. We have an infertility mandate here but there are a couple of loopholes i.e. like a waiting period. You need to make sure you don't have to deal with them because your company is based here.
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Old 10-29-04, 08:45 PM
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That's great news. I hate Cigna too. BCBS sucked for me too cuz it had to be DH sperm, so even though it was the same procedure, donor wasn't covered. Annoying. Anyway I am glad you have an insurance victory!!! Hopefully you won't need all the coverage but at least it takes some money stress.

As for waiting periods...a lot of times they will waive waiting periodsif your doc provides proof of your i/f history.

Wishing you only the best of luck. You deserve it!!!
 
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Old 10-29-04, 09:45 PM
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Maddy you're so cute! I was reading your first message as if you were "talking" a mile a minute, and was smiling the whole time! I'm glad you're so happy. Sometime I have to step back and say the same things, I have a great DH, a nice home, good job, good dog (Sabrina!) and wonderful family (both sides!). How lucky am I? It's almost like tempting fate to wish for this one last bit of perfection . . . . but I'm going to do it anyway!!
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Old 10-29-04, 11:25 PM
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It isn't mandated in Maine either. I'm incredibly lucky to get the six IUI's covered!
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