Fed Insurance IVF Converage - Maryland IVF Mandate?

[Anonymous]

I realized no Fed Health Plans cover IVF. How goes it with Maryland mandates for IVF coverage?

[Anonymous]

My plan is 640 a month. But I saved tens of thousands on IVF, so it was worth it.

[Anonymous]

PP here. I just got private insurance bc I didn’t get any discounts on the exchange.

[Anonymous]

Anonymous wrote:PP here. I just got private insurance bc I didn’t get any discounts on the exchange.

What insurance?

[Anonymous]

Carefirst ... it’s that or Kaiser

[Anonymous]

I have the CareFirst Healthy Blue PPO. As a PP said, it costs about $660 month. But it covers three attempts (ie cycle culminating in a transfer) with a cap of 100k.

[Anonymous]

Is it possible to get that insurance through the exchange if you live in DC?

[Anonymous]

Anonymous wrote:Is it possible to get that insurance through the exchange if you live in DC?

I'm pretty sure your residence has to be in Maryland

[Anonymous]

Anonymous wrote:Is it possible to get that insurance through the exchange if you live in DC?

No, MD is an IVF mandated state. Only a handful in the country.

[Anonymous]

I’m a MD resident and have CareFirst HealthyBlue HMO Gold. I have a monthly premium of $437.45 with a $1750 annual deductible (my health savings offset a lot of the deductible). It covers 6 IUIs and 3 IVF attempts with a lifetime max of 100k. For IVF meds, I was only responsible for paying $550, everything else was covered.

[Anonymous]

Anonymous wrote:I’m a MD resident and have CareFirst HealthyBlue HMO Gold. I have a monthly premium of $437.45 with a $1750 annual deductible (my health savings offset a lot of the deductible). It covers 6 IUIs and 3 IVF attempts with a lifetime max of 100k. For IVF meds, I was only responsible for paying $550, everything else was covered.

How do you like the HMO? I went with the PPO because of the specialist referral requirement but kind of wish I had gone with the HMO.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I’m a MD resident and have CareFirst HealthyBlue HMO Gold. I have a monthly premium of $437.45 with a $1750 annual deductible (my health savings offset a lot of the deductible). It covers 6 IUIs and 3 IVF attempts with a lifetime max of 100k. For IVF meds, I was only responsible for paying $550, everything else was covered.

How do you like the HMO? I went with the PPO because of the specialist referral requirement but kind of wish I had gone with the HMO.

I have no complaints about the HMO (especially since CareFirst has a large network of providers). I must pay $30 per visit to see a specialist, but I don’t need a referral.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I’m a MD resident and have CareFirst HealthyBlue HMO Gold. I have a monthly premium of $437.45 with a $1750 annual deductible (my health savings offset a lot of the deductible). It covers 6 IUIs and 3 IVF attempts with a lifetime max of 100k. For IVF meds, I was only responsible for paying $550, everything else was covered.

How do you like the HMO? I went with the PPO because of the specialist referral requirement but kind of wish I had gone with the HMO.

I have no complaints about the HMO (especially since CareFirst has a large network of providers). I must pay $30 per visit to see a specialist, but I don’t need a referral.

Bummer, for some reason I thought you needed a referral. I totally would have done the HMO!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I’m a MD resident and have CareFirst HealthyBlue HMO Gold. I have a monthly premium of $437.45 with a $1750 annual deductible (my health savings offset a lot of the deductible). It covers 6 IUIs and 3 IVF attempts with a lifetime max of 100k. For IVF meds, I was only responsible for paying $550, everything else was covered.

How do you like the HMO? I went with the PPO because of the specialist referral requirement but kind of wish I had gone with the HMO.

I have no complaints about the HMO (especially since CareFirst has a large network of providers). I must pay $30 per visit to see a specialist, but I don’t need a referral.

Bummer, for some reason I thought you needed a referral. I totally would have done the HMO!

For individual and family plans you don’t need a referral, but if you have CareFirst through an employer, you may need to check.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I’m a MD resident and have CareFirst HealthyBlue HMO Gold. I have a monthly premium of $437.45 with a $1750 annual deductible (my health savings offset a lot of the deductible). It covers 6 IUIs and 3 IVF attempts with a lifetime max of 100k. For IVF meds, I was only responsible for paying $550, everything else was covered.

How do you like the HMO? I went with the PPO because of the specialist referral requirement but kind of wish I had gone with the HMO.

I have no complaints about the HMO (especially since CareFirst has a large network of providers). I must pay $30 per visit to see a specialist, but I don’t need a referral.

Bummer, for some reason I thought you needed a referral. I totally would have done the HMO!

I went with the PPO because I knew I might want to cycle at CCRM or Cornell out of state. Don’t think you can do that with the HMO.