Federal Health Insurance for IVF

[Anonymous]

Hi,

I just came back from my agency open health and wellness fair and I spoke to all the health care provider. It seems like only Kaiser and United Healthcare covers IVF (only 50% of it). Anyone has experience with them? or is there another health insurance company out there that covers IVF?

I asked Aetna and she told me Aetna doesn't cover IVF.

Any other government employees are on the same boat as me?

Thanks.

[Anonymous]

There were several threads on this just recently, you may find some useful information there. The general consensus seems to be that MDIPA (United Healthcare) is the best deal for IVF. It worked great for us. Aetna only covers 50% of medication costs and since you have to use their pharmacy, you essentially pay full price. Meds are a huge cost factor and can add thousands to your bill.

[Anonymous]

MDIPA is the only way to go. We switched from BCBS to MDIPA for fertility last year. We did three TI cycles with injectibles on BCBS then three IUIs with MDIPA starting in January 2013. They paid 50% of the IUIs until the $1800 was met. They paid for none of the injectible meds for the IUIs. By the time we got to IVF we had met the $1800 and so we only ended up paying about $1200 in coinsurance for the IVF cycle. They paid for all the meds for the IVF cycle. I am now 24 weeks pregnant with twins!

[Anonymous]

Anonymous wrote:MDIPA is the only way to go. We switched from BCBS to MDIPA for fertility last year. We did three TI cycles with injectibles on BCBS then three IUIs with MDIPA starting in January 2013. They paid 50% of the IUIs until the $1800 was met. They paid for none of the injectible meds for the IUIs. By the time we got to IVF we had met the $1800 and so we only ended up paying about $1200 in coinsurance for the IVF cycle. They paid for all the meds for the IVF cycle. I am now 24 weeks pregnant with twins!

This is almost exactly our story. Except that we didn't do any IUIs after switching to MDIPA, and that we did all this a year earlier (so my twins are a year now). Good luck with your pregnancy!

We stayed with MDIPA for another year (out of loyalty and because we were too sleep deprived to think during open season), but are now switching back to BCBS, because it is considerably cheaper.