GOOD LUCK ! There are some, it depends on what state and what insurance. I live in FL and was surprised when I got a 500 dollar bill for taking to a specialist for 15 Min’s. yeah my Blue cross blue shield does not cover ANY.
Now a friend of mine in Mass does have coverage, is moving an option? Lets go together, we could split the cost ?
You may want to check with how your doctor’s office coded the HSG testing. I recently had this test performed (October 2009) and my insurance covered 90% of the cost. i too had Blue Cross and Blue Shield. My Health Care provider changed for the 2010 calendar year. This too may depend on what city/state your BCBS was based in. I reside in N. Carolina, but had BCBS of Kansas City at the time. I have found out that not all, but most insurance providers will cover testing to diagnose infertility, but not the actual processes taken to resolve it. For example my health Care provider covered the HSG testing and it covered my Clomid and all other meds. It would also cover medication needed to have IVF or IUI done, but it would not pay for IVF or IUI. I hoped this helped. Let me know if you have any additional questions. i will keep you and all the other TTC’s in my prayers. 2010 will be our year!
I have insurance privately (self-employed) and no insurance companies cover fertility services as a benefit. When I was calling around on this issue, most reps told me that they do offer it to employers only - sucks! Good luck.
I had BCBS of North Carolina. It covered my hsg, all ultrasounds and would also cover any fertility meds. When you get into IUI, that’s where the coverage stops although your dr can work with you to have the ultrasounds covered also. For me, I am prone to ovarian cysts, hence my ultrasound being covered.
Currently ONLY 15 states in the US mandate some sort of fertility coverage - so the state that you live in DOES make a big difference . . . although your employer can add anything to the coverage for their employees . . . 15 states REQUIRE some sort of fertility coverage - not necessarily all the way up to IVF . . . but testing, prescriptions and some treatments - it depends on the state. Unfortunately, Washington is not one of them.
I recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your coverage and to do an analysis for you. Perhaps you can get your prescriptions covered or something like that with your current coverage. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me. They also have information on prescription programs and shared risk programs.
If you cannot find insurance coverage here are some other suggestions:
1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in. Here is a good link: http://clinicaltrials.gov/ct2/results?term=ivf&recr=Open
2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers.
3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member.
4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . .
5) See if your employer as a flex spending account - you can set aside money tax free for medical things - everything from IVF to prescriptions to eye glasses etc . . .
January 27th, 2010 at 12:07 am
health-quotes.talk4fun.net - try this one. My sister had no problem with her insurance coverage while being pregnant.
January 27th, 2010 at 12:07 am
GOOD LUCK ! There are some, it depends on what state and what insurance. I live in FL and was surprised when I got a 500 dollar bill for taking to a specialist for 15 Min’s. yeah my Blue cross blue shield does not cover ANY.
Now a friend of mine in Mass does have coverage, is moving an option? Lets go together, we could split the cost ?
best of luck
January 27th, 2010 at 12:07 am
This has nothing to do with the state or the insurance plan. it has to do with the plan chosen by the employer.
January 27th, 2010 at 12:07 am
You may want to check with how your doctor’s office coded the HSG testing. I recently had this test performed (October 2009) and my insurance covered 90% of the cost. i too had Blue Cross and Blue Shield. My Health Care provider changed for the 2010 calendar year. This too may depend on what city/state your BCBS was based in. I reside in N. Carolina, but had BCBS of Kansas City at the time. I have found out that not all, but most insurance providers will cover testing to diagnose infertility, but not the actual processes taken to resolve it. For example my health Care provider covered the HSG testing and it covered my Clomid and all other meds. It would also cover medication needed to have IVF or IUI done, but it would not pay for IVF or IUI. I hoped this helped. Let me know if you have any additional questions. i will keep you and all the other TTC’s in my prayers. 2010 will be our year!
January 27th, 2010 at 12:07 am
I have insurance privately (self-employed) and no insurance companies cover fertility services as a benefit. When I was calling around on this issue, most reps told me that they do offer it to employers only - sucks! Good luck.
January 27th, 2010 at 12:07 am
I had BCBS of North Carolina. It covered my hsg, all ultrasounds and would also cover any fertility meds. When you get into IUI, that’s where the coverage stops although your dr can work with you to have the ultrasounds covered also. For me, I am prone to ovarian cysts, hence my ultrasound being covered.
January 27th, 2010 at 12:07 am
Currently ONLY 15 states in the US mandate some sort of fertility coverage - so the state that you live in DOES make a big difference . . . although your employer can add anything to the coverage for their employees . . . 15 states REQUIRE some sort of fertility coverage - not necessarily all the way up to IVF . . . but testing, prescriptions and some treatments - it depends on the state. Unfortunately, Washington is not one of them.
http://www.resolve.org/site/PageServer?pagename=lrn_ic_stintro
I recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your coverage and to do an analysis for you. Perhaps you can get your prescriptions covered or something like that with your current coverage. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me. They also have information on prescription programs and shared risk programs.
http://www.fertilitylifelines.com/
If you cannot find insurance coverage here are some other suggestions:
1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in. Here is a good link:
http://clinicaltrials.gov/ct2/results?term=ivf&recr=Open
2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers.
3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member.
4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . .
5) See if your employer as a flex spending account - you can set aside money tax free for medical things - everything from IVF to prescriptions to eye glasses etc . . .
Here is a great link for you:
http://www.nobabyonboard.com/
Good luck to you!