Reply to Fed Employees: IVF Insurance Questions

Forum Index » Infertility Support and Discussion

Reply to "Fed Employees: IVF Insurance Questions"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous][quote=Anonymous]Right, no more IVF under federal insurance.  Kaiser may still cover IUI, and there was a BCBS HMO that covered IUI but not sure of the current status.

For cost savings, I feel like the best bet is BCBS Basic.  Even in an IVF cycle, the copay for monitoring is $40.  This is huge savings when those visits can be hundreds per time and you have 5+ visits per cycle.  They also do cover fertility medications, including injectables, if you are doing a timed intercourse cycle.  So there's some potential to do a couple of TI cycles and maybe get your nurse to order extra meds.  If you save what's left from those, you may not have enough for a whole cycle, but that can still be serious savings.[/quote]

The Carefirst BlueChoice HMO plans (High Option Open Access and Standard HealthyBlue) cover up to 6 IUIs. I switched the HMO plan for 2018 to get the IUI coverage. Upon doing a cost analysis of the differences in the plans, I decided the Standard HealthyBlue made more sense for us financially. It's turned out to be a Cadillac health plan compared to the BCBS basic in some respects--$0 copay any time you see your PCP, no cost for any lab testing as long as it's done through Labcorp, and $0 copay for all prescription drugs. And even though it's an HMO (restricting your geographic limits of use for in-network care; although BCBS Basic doesn't even have an out-of-network option...), it's all open access, meaning you don't need referrals from your PCP to go see a specialist.

For a federal employee planning to do IUI, I would recommend this plan. However, as PP said, the BCBS Basic may make just as much or more sense for someone doing IVF.[/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics