Carefirst for IUI - Federal Employee Insurance

[Anonymous]

According to the 2020 brochure, it seems like IUI is totally covered under the HDHP (after your deductible is paid), but only 50% covered under the Standard plan. Do most people go with the Standard plan because the annual IUI costs shouldn't exceed the deductible amount?

[Anonymous]

I didn't bother with IUI, just TI, because TI was 100% covered under the standard plan. I think in the past some clinics will proceed as TI and if you need an emergency IUI just charge you a surcharge for the IUI conversion rather than billing it to insurance. YMMV.