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Insurance and Fertility Treatments
Hi all, my husband and I have been trying to conceive our first for several years now. We've even done a round of IVF. And now we are going to have to do a second one, but nether of us has coverage for it and raided our retirements to pay for the last cycle. Since I'm not really in love with my job I'm tossing around the idea of getting a new job at a place that has coverage for IVF, even if it is part time. Does anyone know of a resource to find out what employers offer coverage for IVF? Or does anyone work for a company that offers coverage? Thanks! Not Fertile Myrtle
1. http://www.ivfconnections.net - go to All Boards (I think you'll have to become a member but it's free and the best resource out there about IVF). Then select the board called Financing IVF. I saw one woman posted a list Nov 07 of companies that have at least some coverage.
2. http://www.inciid.org/article.php?c...rance101&id+243 - this is another list with more detailed info on the coverage. Good luck! anon
I am going to see a reproductive specialist in a week and a half. A friend of mine who has been through IVF told me that when her husband got a sperm analysis he was dropped by his insurance carrier. She has since been deemed uninsurable after taking Clomid. The reason she said was because insurance companies realize that with fertility treatments the chances of multiple births and early delivery rise. They were both using individual plans.
I am starting to freak out because my husband and I have an individual plan, and because of our careers will probably never be on a group plan where this sort of thing doesn't happen.
Has anyone had experience going through fertility treatments while enrolled in an individual health plan?
I should also mention that I am paying out of pocket for my treatments because I know that my plan does not cover fertility treatment.
Any advice that anyone has on this subject (soon) would be greatly appreciated! Freaking Out
I had to pay my endicrinologist and the pharmacy myself, but a whole lot more than I expected was covered.
Of course they jacked up the rates as I went along! Started pregnancy at $300 a month by the end, they had me at $750! After the medical OK, I switched policies and started second pregnancy at $200something and ended it at $830ish..... of course I had to drop it and now my children have coverage but I don't. (What? Am I going to charge it? When could I pay it back? Never so, and it's been several years now....a check up is under $100, so, no accidents!)
In the final accounting, it was a lot less $ to have insurance than pay as you go. Plus, if there were medical problems..... Been through the mill, but have healthy kids!
Hi and thanks for any information that you can offer us, we had have not the best experience with Kaiser at Oakland, Our insurance doesn't cover infertility I can not even pay for this separately, Kaiser business policy or wherever. My wife Oby there, make us think that there is not hope, when there is not a test yet confirming anything wrong. I'm dessapointed, frustrated, and getting old. I saw the advices about fertility centers but I'm not sure to what health insurance we should switch, anyway, if somebody can recommend us also fertility doctors would be great, we decided to start all over. Thanks, best for you all Jeff
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