IVF in Ohio

ksobak · 07-02-2007, 09:04 AM

Well, I think we are moving on to IVF if this IUI doesn't work. I wanted to start looking ahead and see what info I can find on financing IVF.

What insurance companies cover it and can I just buy a policy from them? I have no clue how to do this with insurance of if you even can.

Thanks for any help!

LouisvilleLady · 07-09-2007, 06:03 AM

My insurance does not cover any IF whatsoever and dh and I have paid over $25,000 out of pocket to get our kids. Anyways, when we started this cycle and went back to our RE, they now are offering discounts for self-payers. We had never heard of this. We were thrilled beyond belief when our bill was literally cut in half. I wish we could have been offerred this 6 years ago when we started this whole process.

So if you cannot find an insurance company, look inot clinics that offer discounts. I go to one in Cincinnati, Ohio. It is IRH.

Lovey1226 · 07-10-2007, 07:15 AM

I also go to IRH in Cincinnati. As a self-pay the bill was about $7k-8k with ICSI, and cryopreservation. However, my insurance (Aetna) actually covered my meds, I only had a co-pay for that.

Good Luck!

-Kim

Msred · 07-10-2007, 05:10 PM

Hi ksobak,

I am in Ohio too (Columbus). Generally, all insurance companies offer plans that cover infertility. However, it is nearly impossible to buy an individual policy that covers infertility/IVF (from what I understand - that is why so many people pay thousands out of pocket). Personally, I have been extremely lucky to have insurance coverage through my employer.

What you need to find is an employer (not an insurance company) that has a plan that pays for infertility treatment (and IVF specifically). So you "shop" by employer and not insurance provider.

I know that Time Warner, DuPont and JP Morgan Chase all offer infertility benefits (those are the companies that either my husband or I have worked for that offer comprehensive coverage including IVF).

You can read about other companies at www(dot)i_n_c_i_i_d(dot)org although the list isn't perfect. (Remove the _ characters from that URL - this site censors the web address and won't let me type it any other way).

Msred

Jrene · 09-10-2007, 08:47 PM

Im from the Cincy area. I work for GE and our insurance just pays for meds and dianostic. It won't even cover IUI's.

Can you buy ins. for IF covarage?

- Jessica

Msred · 09-11-2007, 04:56 AM

Hi Jessica,

Generally, the answer is no. The only way I've heard of someone buying a policy is when they formed their own business and bought a business policy.

Msred

bebeblues · 09-12-2007, 08:10 AM

Hi thereI'm in cincy and my DH works for Fidelity-they cover 6 cycles IVF at 80% after $250 deductible and unlimited IUIs.

Also, Dicks sporting goods and christ hospital have IVF coverage.

Bebe

JulzNBoo · 10-13-2007, 11:51 PM

hello! I am in cincinnati and i was wondering what IRH was? Our Urologist didn't have anyone to refer us to in cincinnati, but there was in cleveland. our IF is male factor and i just need a referral from my dr and then i will go to cleveland to do another IVF/ICSI. help?

YOUTHA77 · 10-14-2007, 03:15 PM

Hello, IRH is the Institute for Reproductive Health.

labmommy · 11-30-2007, 08:36 AM

Hi Jrene-

I just wanted to tell you that my husband also works for GE. Doesn't it just absolutely suck that they don't pay for anything whatsoever? It's just a real shame that they will pay 5K towards adoption and they are even progressive enough to offer same sex benefits, but those of us having fertility problems can't catch a break. Just thought it was odd that I saw you also had to deal with the GE benefits, or lackthereof.

Labmommy

07-02-2007, 09:04 AM	#1 (permalink)
ksobak Registered User Join Date: May 2007 Location: Ohio Posts: 71	IVF in Ohio Well, I think we are moving on to IVF if this IUI doesn't work. I wanted to start looking ahead and see what info I can find on financing IVF. What insurance companies cover it and can I just buy a policy from them? I have no clue how to do this with insurance of if you even can. Thanks for any help!

07-09-2007, 06:03 AM	#2 (permalink)
LouisvilleLady 1000-4999 post queen of hearts Join Date: Jan 2002 Location: Louisville, Kentucky Posts: 3,899 Blog Entries: 37	My insurance does not cover any IF whatsoever and dh and I have paid over $25,000 out of pocket to get our kids. Anyways, when we started this cycle and went back to our RE, they now are offering discounts for self-payers. We had never heard of this. We were thrilled beyond belief when our bill was literally cut in half. I wish we could have been offerred this 6 years ago when we started this whole process. So if you cannot find an insurance company, look inot clinics that offer discounts. I go to one in Cincinnati, Ohio. It is IRH. __________________ Andrea AKA: LouisvilleLady DD, 8 yrs. DS, 5 yrs. DS, 4yrs. from China

07-10-2007, 05:10 PM	#4 (permalink)
Msred Registered User Join Date: Jul 2005 Posts: 130	Hi ksobak, I am in Ohio too (Columbus). Generally, all insurance companies offer plans that cover infertility. However, it is nearly impossible to buy an individual policy that covers infertility/IVF (from what I understand - that is why so many people pay thousands out of pocket). Personally, I have been extremely lucky to have insurance coverage through my employer. What you need to find is an employer (not an insurance company) that has a plan that pays for infertility treatment (and IVF specifically). So you "shop" by employer and not insurance provider. I know that Time Warner, DuPont and JP Morgan Chase all offer infertility benefits (those are the companies that either my husband or I have worked for that offer comprehensive coverage including IVF). You can read about other companies at www(dot)i_n_c_i_i_d(dot)org although the list isn't perfect. (Remove the _ characters from that URL - this site censors the web address and won't let me type it any other way). Msred Last edited by Msred; 07-10-2007 at 05:12 PM.

09-10-2007, 08:47 PM	#5 (permalink)
Jrene Registered User Join Date: Jun 2006 Location: Ohio Posts: 53	Live in Cincinnati, OH Im from the Cincy area. I work for GE and our insurance just pays for meds and dianostic. It won't even cover IUI's. Can you buy ins. for IF covarage? - Jessica

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07-10-2007, 07:15 AM	#3 (permalink)
Lovey1226 1000-4999 post queen of hearts Join Date: Apr 2006 Location: Cincinnati, Ohio Posts: 1,057	I also go to IRH in Cincinnati. As a self-pay the bill was about $7k-8k with ICSI, and cryopreservation. However, my insurance (Aetna) actually covered my meds, I only had a co-pay for that. Good Luck! -Kim

09-11-2007, 04:56 AM	#6 (permalink)
Msred Registered User Join Date: Jul 2005 Posts: 130	Hi Jessica, Generally, the answer is no. The only way I've heard of someone buying a policy is when they formed their own business and bought a business policy. Msred

09-12-2007, 08:10 AM	#7 (permalink)
bebeblues 1000-4999 post queen of hearts Join Date: Jan 2007 Location: Ohio Posts: 1,723	Hi thereI'm in cincy and my DH works for Fidelity-they cover 6 cycles IVF at 80% after $250 deductible and unlimited IUIs. Also, Dicks sporting goods and christ hospital have IVF coverage. Bebe

10-13-2007, 11:51 PM	#8 (permalink)
JulzNBoo Registered User Join Date: Oct 2007 Location: Cincinnati,OH Posts: 7	hello! I am in cincinnati and i was wondering what IRH was? Our Urologist didn't have anyone to refer us to in cincinnati, but there was in cleveland. our IF is male factor and i just need a referral from my dr and then i will go to cleveland to do another IVF/ICSI. help?

10-14-2007, 03:15 PM	#9 (permalink)
YOUTHA77 Registered User Join Date: Sep 2006 Location: united states Posts: 120	Hello, IRH is the Institute for Reproductive Health.

11-30-2007, 08:36 AM	#10 (permalink)
labmommy Registered User Join Date: Apr 2007 Location: Cincinnati Posts: 242 Blog Entries: 3	Hi Jrene- I just wanted to tell you that my husband also works for GE. Doesn't it just absolutely suck that they don't pay for anything whatsoever? It's just a real shame that they will pay 5K towards adoption and they are even progressive enough to offer same sex benefits, but those of us having fertility problems can't catch a break. Just thought it was odd that I saw you also had to deal with the GE benefits, or lackthereof. Labmommy