Lifetime Max after switiching insurance

totcrazy · 10-07-2007, 06:13 AM

Hi,

Our current insurance has a lifetime max of 12,000 for infertility. I have a chance to change insurance every year.

Does anyone know what happens to the lifetime max if I switch my insurance?

I am thinking it would be reset since I would be in a different insurance already and would be subjected to limitations required by the new insurance.

Thanks for advice.

totcrazy · 10-17-2007, 04:00 PM

If anyone interested to know, I called our Benefits center and they confirmed that my lifetime max for IF will reset if I change my insurance company. We are grateful that our company offers choices for insurance and two of them have good coverage.

augusta26 · 11-05-2007, 06:09 AM

Really?

I cycled on United Healthcare last time...now I have BC/BS and this will reste it? Even with the same company??? I will have to check into this!!

TTCwithHelp · 11-06-2007, 12:29 PM

I think it depends on which insurance company you are switching to. You should check with your RE's billing dept. since they have the most experience in this area.

TTCwithHelp · 11-06-2007, 12:33 PM

I think the lifetime max is set by your employer - not the insurance company. For example, I have Aetna w/ a lifetime max of $30K for fertility. All my employer's other healthcare insurance options also have a $30K max. I can't just switch to Oxford and reset after I use that $30K. I would have to switch jobs or sign up for coverage under my DH's plan and switch insurance companies.

**BC-RyansHope** · 12-30-2007, 11:28 AM

I had coverage for 3 IUIs with my insurance co. When I specifically asked the insur co about the lifetime max (the max is 3IUI) I was told that even if I switch insur co that a lifetime max is lifetime it doesnt matter if its a new insur co.

I wonder if thats just in PA?

10-07-2007, 06:13 AM	#1 (permalink)
totcrazy Registered User Join Date: Sep 2007 Location: NJ Posts: 35	Lifetime Max after switiching insurance Hi, Our current insurance has a lifetime max of 12,000 for infertility. I have a chance to change insurance every year. Does anyone know what happens to the lifetime max if I switch my insurance? I am thinking it would be reset since I would be in a different insurance already and would be subjected to limitations required by the new insurance. Thanks for advice.

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10-17-2007, 04:00 PM	#2 (permalink)
totcrazy Registered User Join Date: Sep 2007 Location: NJ Posts: 35	If anyone interested to know, I called our Benefits center and they confirmed that my lifetime max for IF will reset if I change my insurance company. We are grateful that our company offers choices for insurance and two of them have good coverage.

11-05-2007, 06:09 AM	#3 (permalink)
augusta26 Registered User Join Date: Oct 2007 Location: Michigan Posts: 208	Really? I cycled on United Healthcare last time...now I have BC/BS and this will reste it? Even with the same company??? I will have to check into this!!

11-06-2007, 12:29 PM	#4 (permalink)
TTCwithHelp 700-799 post 9 of hearts Join Date: Aug 2007 Posts: 756	I think it depends on which insurance company you are switching to. You should check with your RE's billing dept. since they have the most experience in this area.

11-06-2007, 12:33 PM	#5 (permalink)
TTCwithHelp 700-799 post 9 of hearts Join Date: Aug 2007 Posts: 756	I think the lifetime max is set by your employer - not the insurance company. For example, I have Aetna w/ a lifetime max of $30K for fertility. All my employer's other healthcare insurance options also have a $30K max. I can't just switch to Oxford and reset after I use that $30K. I would have to switch jobs or sign up for coverage under my DH's plan and switch insurance companies.

12-30-2007, 11:28 AM	#6 (permalink)
BC-RyansHope FT Diner ~open 24/7 BYOC*~ Join Date: Oct 2006 Location: Missing my Ryan 11/6/08 Posts: 7,377 Blog Entries: 260	I had coverage for 3 IUIs with my insurance co. When I specifically asked the insur co about the lifetime max (the max is 3IUI) I was told that even if I switch insur co that a lifetime max is lifetime it doesnt matter if its a new insur co. I wonder if thats just in PA?