Reply to Best FEHB for monitoring, drugs, IUI?

Forum Index » Infertility Support and Discussion

Reply to "Best FEHB for monitoring, drugs, IUI?"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous]For any other feds who are looking for IUI coverage but don't want Kaiser: The federal Carefirst BlueChoice HMO option will also continue to cover up to 6 IUIs in 2019.
I've had the Standard Self plan (DH is also a fed and carries his own plan b/c it's been cheaper for us up till this open season now that we're expecting) this year for the IUI coverage and found the plan to have excellent coverage overall. It does cover drugs for TI and IUI with pre-authorization.

After a bad experience in Jan. '18 at GW IVF after having been a patient there for about 5 months, I did consults at Dominion and Columbia to decide where to go next. We went with Dominion which is, unfortunately, out of network for the CareFirst HMO plan. However, while I had to pay the out-of-network deductible, Dominion only held me accountable for the "allowed amount" charges defined by my insurance, and every cent I paid out-of-network was still credited toward the max out-of-pocked for both In- and Out-of-Network...the In Network max out-of-pocket is $2500 for the Self plan ($5000 for the self+1 and self+family options) and it's staying that way in 2019. Between paying the out-of-network costs at Dominion, prescription co-pays, and specialist co-pays earlier in the year (I see an endocrinologist every 1-2 months), I hit my In-Network out-of-pocket max by July or August and haven't paid a cent for anything since then. I would have paid far less if I'd done my IUI at an in-network provider, but this plan was well worth the money even with my decision to go out-of-network due to the other level of coverage it gave and the whole fact that once I'd paid $2500, I didn't have any more costs for in-network services (including pharmacy) for the rest of my plan year.

The biggest drawback I see to it in 2019 is that the premium is going up by quite a bit compared to this year. However, if I were still in need of IUI, I wouldn't hesitate to keep it for another year. (We're expecting in March and, after very detailed cost analysis, have decided to go to BCBS FEP Basic for Self+Family.)
[/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