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Forum: Trying to Conceive

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  #1  
August 17th, 2013, 08:10 AM
LivyLove's Avatar Mega Super Mommy
Join Date: Feb 2010
Location: Buckeye Nation
Posts: 2,399
What does your insurance cover in regards to fertility?

I know that this varies so much just even with my DW's plans and mine. I work for a Catholic Health Organization and they don't cover much sadly. I am also on my wife's plan though and they cover 20k lifetime with infertility. I'm thinking we may have to go this route and get in to see an RE soon.
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  #2  
August 17th, 2013, 10:11 AM
CzechWife's Avatar Regular
Join Date: Aug 2013
Posts: 73
I work for a non profit so we have typical coverage for Texas. Fertility is not covered at all.

I have done insurance billing for 9 years and I haven't seen one policy that covers fertility unless that person resides in the northern states. For some reason complained in the New York areas do cover fertility. I really wish fertility was mandatory insurance benefit We should rally! Lol
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  #3  
August 17th, 2013, 11:59 AM
*Jen*'s Avatar Mega Super Mommy
Join Date: Apr 2005
Location: Austin, TX
Posts: 2,236
My insurance does not cover anything for infertility either. Texas is a mandated state but sadly I work for a private company so they are not required to offer it.

I asked my Dr the other day if she knew of any "good" infertility coverage and she said "insurance companies don't want to help with fertility because its expensive and if you get pregnant they have to cover maternity/delivery and everything else". UGH
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  #4  
August 17th, 2013, 12:18 PM
Gamer_Princess's Avatar Mega Super Mommy
Join Date: Jan 2013
Posts: 4,034
I have Tricare and it covers everything as long as timed intercourse is done. But when we move to IUI the only thing we have to pay is the insemination part, well truly depending on how well the doctor codes the Tricare... our RE leaves the IUI out of the process completely and bills it directly to us so the other stuff if fully covered like meds, ultrasounds, bloodwork etc. But for IVF we are on our own given it takes WAY more meds and I think the ultrasounds are covered as diagnostics as well as bloodwork ONLY IF the doctor codes it as such.
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