I feel so dense - what does 3 IVFs per live birth mean?

[Anonymous]

Typical insurance coverage language. They will cover up to 3 IVFs per live birth. How does that work when you don't know when you're going to get the live birth? Does that mean if it takes 5 to get your live birth, you get coverage for all (up to the $100,000 lifetime max)? But then when you hit the live birth, what happens? You get 3 more? I'm missing something.

[Anonymous]

It means they will cover up to 3 attempts whether it be a fresh or frozen cycle. Some patients will pay out of pocket for FET to save their 3 chances for fresh cycle. So if you don't get pregnant and have a live birth after 3 attempts, you would have to pay out of pocket for any attempt beyond 3rd attempt covered by insurance. However, let's say it takes 3 attempts to have successful pregnancy and live birth, and then in the future, you want a second child. Then the insurance would pay for up to 3 attempts for second live birth. If you hit lifetime max, then they would stop paying once you hit that threshold.

[Anonymous]

Thank you. Your explanation makes sense. Got it now.