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IVF/Insurance
We're talking about explanding our family in the next 6 months or so. I found an insurance plan that covers IVF but the monthly premium ranges from $500-$700 depending on deductable.
The $500 premium has a $3,300 deductable, the $700 has a $500/deductable. The gal that I talked to couldn't give me details about what goes towards the deductable so I'm waiting to here from someone on Monday. My guess is that we have to pay 100% of the deductable before they pay for IVF? Who's insurance helped pay for their fertility treatments...can you help me out here?
We'd like to talk about this over the weekend because we have a consult coming up with MIF and I'd like to have my facts straight by then. Plus I think it's easier to talk to someone who's had their insurance help them out, because sometimes I don't feel like BCBS's customer service people have all their facts straight.
I'm kind of rambling, but can anyone help me figure this out? $700 is a TON to pay for insurance so I want to make sure I'm making the right decision....
Re: IVF/Insurance
Our plan covers a lifetime max amount, so it's different,but I was formerly in HR.
Be sure it will accept you since you've done IVF previously. Sometimes the plan won't let you sign up if you've had previous IF treatments. I'm sure your DH figured that out though.
The deductible will have to be paid before the insurance kicks in. If you've got frosties, (and enough for a round or two) you can do IVF fairly inexpensively, so that's something to consider as well. You might not even use much insurance after your $3300 is met if it works the first time.
*They will cover us even though we did IVF.
*No frosties, so we have to pay the whole $13k. That's why were r looking into insurance :-)