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  1. #1
    Julia21
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    Companies that offer infertility coverage in California

    I researched the list (by calling fertility clinic's billing person) and this is my most current list.

    California

    IVF Insurance Coverage:
    Accenture
    Adobe
    Apple
    Allergans
    Aon
    Autodesk = $10k lifetime max, $5k meds (United)
    Bank of America
    Borland
    Broadcom
    Cablevision
    Canon
    Chevron
    Cisco = $15k lifetime max
    City of Orange
    City of San Francisco
    Deloitte and Touche
    Disneyland
    Ebay
    Elan = 3 attempts
    Electronic Arts
    FedEx/Kinkos
    GAP = $2k lifetime max
    Genentech = $10k lifetime max
    Google
    HSBC = 2 IVFs
    HP = $5k medical, $5k meds (lifetime max)
    HSM (Honeywell Security and Monitoring) = $20k lifetime max
    IBM = 2 IVFs
    Intuit = $10k lifetime max (Definity/United)
    Johnson & Johnson
    Knight Ridder
    LA Fire Dept
    LA Times
    Microsoft = $15k max for all fertility (including meds)
    Oracle
    Palm = $5k
    PayPal
    Phillips
    Pepsico Food and Beverage
    Price Waterhouse
    Quaker Oats
    Retail Brand Alliance
    Roche
    RSA Security
    Sandia Labs
    Southern California Edison = 6 IVFs (3 per plan)
    Sun Microsystems = 5k lifetime max (United Healthcare)
    Synopsis
    T-Mobile (Headquartered in Wash)
    Talbots
    Tyco Healthcare/Tyco Electronics = $10k lifetime max
    Visa = 3 IVFs
    Williams Sonoma
    Yahoo! = $20k lifetime max (Aetna)

    No IFV Insurance Coverage:
    Amgen
    Schwab (meds only)
    Stanford University
    Washington Mutual (fertility coverage - everything except OVF)
    Wells Fargo


    New York

    Amex = $10k lifetime max
    Citi Credit Cards/Citigroup = $24k lifetime max (Aetna or United)
    Morgan Stanley


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  3. #2
    ktn2003
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    wow that's amazing that those compaines help their employees


  4. #3
    Juju4me
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    United Healthcare

    Hi ladies,

    United Healthcare offers a 10k lifetime max. Unfortunately my hubby just got laid off but thanks for the list of companies. Yahoo! (that's amazing 20k). I used to work for Amgen, benefits are excellent but I was surprised they didn't offer fertiliy coverage-maybe in the future.


  5. #4
    monkeymommy
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    Moreno Valley Unified School District (MVUSD) covers 50% infertility (including IVF and meds) With the meds - you have to pay 100% up front and then they reimburse you 50%

    Coverage is through Blue Cross


  6. #5
    Kckboxxy
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    Add this Southern Cal Company

    Hi! My DH works for Raytheon and I just found out yesterday that our coverage through United Healthcare PPO covers 90% of infertility costs (in network) and 80% (out of network), including $15,000 lifetime for IVF (in network) and $10,000 (out of network). HTH!

    Andrea


  7. #6
    cindy1
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    sorry, I just moved to California from Canada, not really familiar with the health care system. do you have to work for these companies in order to get that insurance?


  8. #7
    Msred
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    Hi Cindy,

    Essentially, yes, you have to work for those companies to get Infertility insurance (or another that isn't listed could also have coverage). Generally, without national health care, its the employer that picks what the health insurance plan covers for its employees. It appears that only like 10-20% of companies offer infertility (IVF) coverage. It is hard (and maybe impossible) to ask a hiring manager if they offer this kind of coverage since most dont know and they might not want to hire you if you tell them up front that you want to try to get pregnant right away. So...these lists really help!

    Msred


  9. #8
    jaseehaze
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    Hi everyone, I'm new here. I payed cash for all of the expenses of my last treatment: 2 IVFs and 1 FET and for every little test and ultrasound. Now I'm switching health insurance at work and I'm trying to figure what insurance to get. Any tips?


  10. #9
    scubanut2004
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    I work in one of the California offices of Watson Wyatt, a consulting firm. I have a $15,000 Lifetime maximum for Infertility through BCBS. I'm pretty sure this is the same coverage for all their US offices - not sure what the insurance is like for the int'l locations though.


  11. #10
    joey s
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    Ladies,

    I work for the University of California - after 6 months of research on the different insurance options I was able to find Healthnet offer up to 6 IUI in a lifetime at 50% of the cost and 50% of the meds. However, the out of pocket maximum for a year per person is $1000, so as soon as I have 3 IUI this calendar year, I dont pay a dime for additional IUI. The meds for clomid this month, estrogen, progesterone and HCG Trigger ran me $91.

    Hope that helps.

    Joey


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