Forum: Insurance & Advocacy

Hello! I know this seems like a question for Kaiser Member Services, but after 2 calls to them, I'm still not clear on what is covered. Although they are very clear that IVF is not, they say that all lab work and drugs are. I'm suspicious - does this really mean that all labwork, drugs, and...

Hi everyone, I would appreciate any advice you have to offer. I have never had to appeal insurance in my life and this is the most stressful and painful process... I have a good health plan through Rutgers University in New Jersey ( BCBS). They are supposed to cover 4 IVF's per lifetime...

So, we were planning on doing IVF (out of pocket) this spring here in Maine. BUT - DH just got orders to RI for next summer. (he is in coast guard) I know Tricare (military insurance) is exempt from the laws - but it looks like IF I get a job (Im an RN and plan too) and buy the insurance policy -...

I am a single gal, whose only known fertility issue is lack of partner. I've had 3 IUIs; will find out any day now on the success of #3. Yesterday, I started a new job. It is the perfect job at this point in my career, as I've been going to school for 3 years but working in a different field,...

Hi, Ive never done this before. I have to pay OOP for some blood tests and an endo biopsy as my RE's clinic doesnt take my insurance (most in my 50 mile radius dont take my insurance or ANY insurance). They gave me the receipt to submit and now I have to call B/Shield to get the claims. Does it...

I have ivf coverage and am not sure about donor coverage (yet). I thought worst case scenario I pay out of pocket for the retrieval, but all other procedure costs should be covered under my ivf coverage (transfer, lab fees, etc). My REs office is saying they have to put the donor code (V59.71) on...

Is anyone who does not have insurance starting ivf at Emory clinic in Atlanta? I just would like to know how there program runs.

Hi-Can anyone help interpret the verbage that relates to state mandated coverage for Illinois, the verbage is a little confusing...I have found some info I just need help in defining it. I have found some confilicting info such as it is required for companies that have > 25 employees but then other...

Hello friends, Any recommendations for OBGYN/ fertility specialist in San Francisco or Daly city kaiser ? I am quite new to Kaiser. Thanks

Hello, Our acupuncturist has asked us to do Semen analysis and Day 3 tests. We are brand new with Kaiser, so I spoke to a kaiser representative and they informed that these tests would be categorized under Infertility, so if our OBGYN says it is necessary, it will be covered at 50% rate....

i hope someone out there can answer my question. i will call my insurance but was wondering if someone might know. when i started IVF i was on united healthcare where i did 2 fresh ivf cycles. my insurance now changed to horizon bs/bc of nj. under both insurances, i was covered for 4 egg retrieval...

I'd mentioned this on someone Else's thread but really didn't want it to get lost because it helped us SOOOO much. I pray it catches someones eye who can use it. Our Med insurance is horrible. We have BC/BS FED ppo. None of IVF is covered at all. Well, our finance person at Doctor's office said...

Hello I was wondering if anyone could tell me anything. If that know or heard etc. My husband has just been offered insurance by blue cross and blue shield of illinois she said she had infertility coverage under it but this was 5 years ago. I dont have a detailed pamplet that tells me anything by...

I wonder if anyone has any experience with IVF pre-approvals through Carefirst BCBS. Here are our facts: My insurance (which we had when we started infertility treatments 2 years ago) only covers IUIs. My husband started a new job in July 2010 and got a different Carefirst BCBS plan that has 50...

Hi All, I've insurance coverage thru my husband's employer and ins. company is Lumenos Blue Cross Blue Shield. Also, we have a Health Reimbursement Account (HRA) funded by his employer and have around $5000 balance in HRA as of now. I'm planning to go for IVF in 2 months time. My ins. company...

We currently have out-of-state insurance and thinking to switch my wife to a Blue Cross of Massachusetts individual policy to cover our 2nd cycle. First cycle lifetime max. is exhausted under current insurance. My question is, if we sign up and start paying premiums next month, can we immediately...

Hello, We are living in California but my husband's company Main Office is in Maryland and our health insurance comes from there. I know we have a 100k lifetime + 3 IVF tries but I don't know if they cover medication as well ? freesing of the embryos, genetic testing ? Does anyone knows...

Does Florida cover ivf

Hello there, I just got off the phone with my clinic and they pretty much said our pre certification for IVF got denied because I was considered as a pre-existing condition We had to wait 2 years this is BCBS Maryland who is supposed to be so great. First of all, We just diagnosed that my...

I just got off the phone with Anthem of CA and learned something new. I called them because the pharmacy my RE typically uses (Freedom Fertility Pharmacy) called to tell me they were processing my prescription, but they are now considered out of network with Anthem, I'd only be eligible for...

What is the best insurance for IVF for federal employees in MD? It looks like MD-IPA to me. Does anyone have any experience with them? I will be starting a federal job and am wondering if I will get hassled for asking for an IVF in the first month on the job. Been TTC for 3 1/2 years. I...

We are supposed to start an FET cycle this week but my D3 FSH levels were way above the cutoff. I am so frustrated as they don't even matter in an FET cycle...anddddddd we used donor eggs for our embryos so they never mattered. I'm just really discouraged and wonder if anyone else has...

I have been diagnosed with Fragile X. I will need PGD testing on my embryos prior to transfer. The RE's office says insurance does not cover it. According to BCBS, they cover PGD but it is listed under bloodwork which this is definetely not. Has any one gotten the procedure covered, or pleaded...

Hello, I just got home and opened my mail, had a claim recap from Athem. It's for, I kid you not, $24,945. I called, because surely it must be a mistake, but no, it's what the surgery center charged them for my D&C last month. This is not for my doctor and anesthesia, that was already paid, this...

I have dr's appt set up for 5-26 to start treatment. I know that TRS does not cover IVF or IUI's which I am not interested in at the time anyway. I just want to do some drug therapy and hoping I can do injectables this time. A little back history on me is we did IUI's and femara for about 10...