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Fertility Drugs + Insurance

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  • jprice444 07-31-08 | 02:32 PM
  • Hey Ladies!

    My husband and I are ttc #1. I started clomid in June and I'm on my 3rd cycle. I have BCBS HMO for my insurance and they aren't covering any fertility treatments. Needless to say, things are getting expensive.

    Open enrollment is in October and I would love to switch to an insurance company that covers some of this (ultrasounds, bloodwork, HCG, Clomid, IUI's, IVF's, etc).

    Anyone know of any?

    You would think more insurance companies would pay for this stuff... in the end there will be more babies which means more $$$ for them in the long run!!
  • Oreo Oreo's Avatar 07-31-08 | 02:49 PM
  • Most plans offer these as a part of their comprehensive coverage -- the trick is that your employer has to decide to pick it up (like an item in a cefteria line) for the company policy coverage.

    Where are you located? Here in Upstate NY, we have BCBS, an HMO insurance company called CDPHP and another HMO -- I only remember the logo is an apple -- and my employer lets us pick which of the the three companies we want to enroll with or gives us $$$ back for picking nothing.

    I would talk to your HR person and go to any open enrollment meetings they have and ask the company reps. what your business buys into and what your level of coverage would be. I'd also ask if they will cover it or not since it may be considered a "pre-existing condition".

    Good Luck!

    PS -- I'd say you are better with an HMO for fertility than straight insurance like BCBS.... not as much out of pocket payments and waiting for claims to approved and reimbursed.

    Last edited by Oreo; 07-31-08 at 03:36 PM..
  • amitrat amitrat's Avatar 07-31-08 | 03:08 PM
  • It depends on the BCBS insurance that you have - mine covers everything.
  • jprice444 07-31-08 | 05:52 PM
  • Thanks for the tips DCnanny! I will ask my HR person and try to attend one of the meetings.

    I live in GA and work for a public school system. I know they give us a choice between 3 (BCBS, United, and CIGNA). I wish I had looked into this last year. If only we could turn back the clock...

    Hopefully next year I won't need fertility coverage!
  • Tracey and Neil Tracey and Neil's Avatar 07-31-08 | 07:09 PM
  • I don't have any advice for you as I live in the UK, and we have a different health system, but I wanted to say
     
    and good luck with TTC#1