Venting.

[Anonymous]

well ask yourself - who set the one year rule anyway? and who does it benefit?

[Anonymous]

Anonymous wrote:well ask yourself - who set the one year rule anyway? and who does it benefit?

It benefits everyone who pays for insurance because it keeps down the cost of fertility investigation for people who don't actually need it. We, the other policyholders, would have to pay for this lie in our premiums.

[Anonymous]

I agree that it's unethical to embellish length of time ttc just to get covered for early visit to RE. Having said that, if over 35, aren't visits to RE coverable if ttc efforts unsuccessful for 6 months?

[Anonymous]

The timeframe for 35+ is 6 months of ttc.

[Anonymous]

Right but what about people that have reason to be concerned but are under 1 year of trying? Do insurance policies offer exceptions? And speaking of this topic - what kind of infertility treatment are we talking? I am supposed to go in for tests this month toward the end of my cycle. I'm 35 and have been trying for 6 months now, so I assume they are covered? Or should I not assume?

[Anonymous]

BTW, I have learned that some insurance carries don't consider you infertile for the purposes of RE treatment if you have gotten pregnant and then miscarried. Can anyone confirm this? My miscarriage from hell lasted longer than the pregnancy (to get back to 0 beta). I got pregnant after my HSG. Now I am wondering when/if I can go back to the RE.

[Anonymous]

Anonymous wrote:Right but what about people that have reason to be concerned but are under 1 year of trying? Do insurance policies offer exceptions? And speaking of this topic - what kind of infertility treatment are we talking? I am supposed to go in for tests this month toward the end of my cycle. I'm 35 and have been trying for 6 months now, so I assume they are covered? Or should I not assume?

I would not assume they are covered. The medical recommendation is to get a work-up (not necessarily by an RE, your OB/GYN can do it) after 6 months if you are over 35. But, many insurance companies still require a year, regardless of age. If someone has be really trying and keeping track of ovulation and they have been trying for 5 months without success, they should get a work up -- insurance companies have been working to defraud and deny any kind of infertility coverage for years, so I really would not feel bad about claiming to have been trying for a year. Plus, most of them do not cover infertility treatments anyway, they only cover the testing to figure out why you are infertile, then you are on your own.

To the OP, if you do ask you OB/GYN for testing, do not let them put you on an unmonitored clomid cycle to "just see what happens" before the do the testing. Get the testing first, taking too many cycles of clomid is bad news.