Federal employees and Infertility options

[Anonymous]

I am a 38 soon to be 39 year old with DOR. I have FEHB with BCBS, which will likely get me 2 cycles with CCRM. I am considering taking a part-time job that has IVF benefits (to get a few more cycles) and probably quit after a 2-3 months given it maybe alot to have my fulltime fed job and parttime all while going through IVF, I think they give u an option of cobra when you quit to continue coverage which is alot, but still way less than OOP for IVF

I had a friend who paid out of pocket for 10 cycles at 39 to get 4 euploids, so I am wanting to plan everything out. Question is, if you already have a full time job as a fed (and have exhausted those IVF benefits) and add a second employer for IVF benefits, how does cobra work from the second job? how does coordination of benefits work? would love to hear real experiences.

[Anonymous]

BCBS Standard’s $25k/year limit will cover more than 2 egg retrievals. I think closer to 5, IIRC. It uses CCRM’s negotiated rate with insurance, not the out-pocket-cost. The bigger problem will probably be fitting in 5 egg retrievals in one calendar year. CCRM is slow.

[Anonymous]

Yeah but since I have DOR I’ll need more than just 2,

Asking if anyone knows if we can exhausted our fehb and get another job for insurance and get cobra for more cycles

[Anonymous]

This is kind of nuts. Have you had any egg retrievala? It only takes one.

[Anonymous]

Anonymous wrote:Yeah but since I have DOR I’ll need more than just 2,

Asking if anyone knows if we can exhausted our fehb and get another job for insurance and get cobra for more cycles

Bcbs FEP covered 5 IVF cycles for me last year btw.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Yeah but since I have DOR I’ll need more than just 2,

Asking if anyone knows if we can exhausted our fehb and get another job for insurance and get cobra for more cycles

Bcbs FEP covered 5 IVF cycles for me last year btw.

Really?!? Where at ccrm nova?

[Anonymous]

I would change full-time jobs if having ivf important to you.

[Anonymous]

Anonymous wrote:I would change full-time jobs if having ivf important to you.

I am not. I have annual IVF benefits with my job and just wanted to get a few more cycles due to my age. Rarely do jobs allow unlimited cycles, in fact most jobs only offer a lifetime of 2-3 cycles.

[Anonymous]

Like previous posters already said, BCBS should cover 5 egg retrievals in a calendar year. I was at SGF and CCRM. Egg retrievals at both were ~$5,000 each towards the yearly $25,000 limit.

[Anonymous]

This is why my insurance is and has been so expensive. Not GLP-1s.

[Anonymous]

Do you qualify for Shared Risk with DOR? I had a different diagnosis, but this is what I did 10 years ago before there was any FEHB health insurance coverage. It's $$$$ OOP but then you get the money back if IVF doesn't work out. It took a lot of pressure off me emotionally to have everything paid up front.

[Anonymous]

Anonymous wrote:This is why my insurance is and has been so expensive. Not GLP-1s.

No its not, 0.1% of employees use fertility treatments. The reason why its going up is because of corporate greed. Please go away

[Anonymous]

Anonymous wrote:Do you qualify for Shared Risk with DOR? I had a different diagnosis, but this is what I did 10 years ago before there was any FEHB health insurance coverage. It's $$$$ OOP but then you get the money back if IVF doesn't work out. It took a lot of pressure off me emotionally to have everything paid up front.

sadly, I dont qualify they have lots of exclusions on that, like age and amh level and etc

[Anonymous]

Anonymous wrote:Like previous posters already said, BCBS should cover 5 egg retrievals in a calendar year. I was at SGF and CCRM. Egg retrievals at both were ~$5,000 each towards the yearly $25,000 limit.

thanks so much for the numbers! did you go recently?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Like previous posters already said, BCBS should cover 5 egg retrievals in a calendar year. I was at SGF and CCRM. Egg retrievals at both were ~$5,000 each towards the yearly $25,000 limit.

thanks so much for the numbers! did you go recently?

Yes, in 2025. Started at SGF then switched to CCRM.