Reply to Best FEHB for monitoring, drugs, IUI?

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[quote=Anonymous]Great question.  Right, supposedly Kaiser still covers 50% of IUI/meds.  I was on it when it still covered 50% of IVF, and it was a great deal because the OOP max is pretty low before everything gets covered 100%.  I think it was only $2250 then.  So after paying $2250, EVERYTHING was covered 100%.  If the OOP max is still low like that, and you think you'll try IUI a couple of times in a year (or if you think you'll try injectables even once), then it's still a really good deal.  The one downside is that you are restricted to the Kaiser network, so you have to find a Kaiser obgyn, and then if you want actual fertility help, you have to get the referral to an RE.  Shady Grove Fertility is the only approved provider for REs.  Shady Grove meets some people's needs and not others'.

I am currently on BCBS Basic.  I was on it while I was doing IVF, but before Kaiser, and all monitoring is covered for a $40 copay.  Some meds that you may need (Clomid/Letrozole, progesterone, estrogen, trigger shot) are covered when you are doing timed intercourse, but not when you move to IUI.  A few meds are cheap even when they're not covered, like Letrozole, Clomid, and Estrace, so that's not a huge savings.  But it's great to get monitoring covered at least.

There is a federal CareFirst plan that used to cover IUI, but I'm not sure that it does this year.  Aetna has a small benefit for people doing IVF, in that Shady Grove will honor the Aetna member price for an FET, but there's otherwise not much benefit beyond that.

If you will be living in Maryland, it's a state that is mandated to cover IVF.  Since you have a new job and changing insurance, you have a qualifying life event and could sign up for a CareFirst plan on the MD exchange.  It's VERY expensive this year, but if you thought you might do more than one cycle of IVF, it can still be a good investment, but perhaps not better than a shared risk program at any of the local clinics if you meet the age requirement.[/quote]

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