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Anonymous wrote:Anonymous wrote:I am sure their "incompetence" is no accident. This is entirely consistent with other tricks and gimmicks that insurance companies use to discourage use of their benefits, as revealed in the debate around health care reform.
I am using Cigna (through DH) and only have good things to day. They covered all meds and three IVF cycles. The paperwork is minimal; everything is going very smoothly. Not all companies or plans are the same.
Was this plan from a MD employer?
Anonymous wrote:The state of Maryland has mandatory infertility/ if coverage. Of course there are limitations, restrictions and exclusions -- but most likely your coverage would be better if your plan was based in MD (purchased through a MD employer).
The state of Maryland (as an employee) theoretically should follow these guidelines. If for some reason there is an exclusion, if you live in MD you can buy a private plan off the exchange or directly from the insurer.
If you have a choice during this time - I would switch off Kaiser. For IF / IVF you will want the flexibility of a PPO - to switch doctors, flex on meds, see specialists etc. You can always go back to Kaiser when you are in the next stage.
This is what I"m thinking. Thanks.
Anonymous wrote:I'm sorry I know about Cigna. However if the option is available to you MD IPA is a decent federal choice too. They cover 3 rounds of IVF. ICSI and assisted hatching are covered, and meds are a few hundred dollars copay per cycle.
MD IPA is also a choice since DH can switch to that one via the Fed..
i am contemplating switching from Kaiser (DH is fed) to Cigna (I am a MD county employee). Does anyone know if Cigna covers 100% for IVF? We are with Shady Grove and our RE made mention that Cigna covers 100% for state employees. But, I am unsure if this is for a particular county or a state employee not a specific county employee. Can anyone offer any insight on this? We have had one failed cycle using Kaiser. Our costs were around 4500.00 but we would like to use Cigna and be able to pay for PGS out of pocket to increase our chances of a BFP. Thanks.