CareFirst BlueChoice - any chance they'll cover IVF?

[Anonymous]

First started at SG in May 2012. Carefirst denied coverage because we were using donor sperm but they did pay for all testing. After our 7th failed IUI (all out of pocket...) we moved to IVF and were prepared to pay out of pocket. SG resubmitted (didn't realize they did) and we were approved for 3 IVF cycles. We also got $10,000 in prescription benefits, too. Our first IVF failed and our second IVF resulted in healthy twin boys! Never in our wildest dreams did we think insurance would pay. We are in VA. Thank you SG!

[Anonymous]

Depends on the employer!!!!

[Anonymous]

Anonymous wrote:Depends on the employer!!!!

+10000
Call your plan to verify. That's the only way to know.

[Anonymous]

Anonymous wrote:First started at SG in May 2012. Carefirst denied coverage because we were using donor sperm but they did pay for all testing. After our 7th failed IUI (all out of pocket...) we moved to IVF and were prepared to pay out of pocket. SG resubmitted (didn't realize they did) and we were approved for 3 IVF cycles. We also got $10,000 in prescription benefits, too. Our first IVF failed and our second IVF resulted in healthy twin boys! Never in our wildest dreams did we think insurance would pay. We are in VA. Thank you SG!

Didn't think they would pay because of the donor sperm or didn't think they would pay because your policy brochure doesn't specify IVF as a covered benefit?

[Anonymous]

I have carefirst blucross and they cover 3 iui's per live birh and 3 ivf's per live birth. My employer is based in Maryland. The plan does say you must be married and not using doner sperm which for me is two strikes however SGF suited it and it was covered

[Anonymous]

I have carefirst bcbs and ivf was covered we have had one child and tried two other times unsuccessful, my question is when we went through the process we understood it to be three cycles covered, and that was the three however now im hearing it is three cycles per successful birth. can anyone confirm or deny this for me.

[Anonymous]

Anonymous wrote:I have carefirst bcbs and ivf was covered we have had one child and tried two other times unsuccessful, my question is when we went through the process we understood it to be three cycles covered, and that was the three however now im hearing it is three cycles per successful birth. can anyone confirm or deny this for me.

I assume this is in MD? From everything I've read, it's 3 attempts per live births. I've even read that "attempts" are transfers and not actual retrievals, so it's possible to have two retrievals and bank embryos and have it only count as one attempt. I don't know any of this personally, though (I have my consultation next month), it's just what I've seen other people post on forums.

[Anonymous]

Federal CareFirst will NOT cover IVF for any reason.

[Anonymous]

i have carefirst. my employer added an IVF rider to our coverage so yes, carefirst sometimes covers ivf