Reply to Carefirst Value Gold 1000 vs Gold 1750

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[quote=Anonymous]If you're with Shady Grove, I would go for the $1k plan because they use an ambulatory surgical center for their egg retrievals. If you use a clinic that just charges it as an office procedure, go with the $1750 plan. I have the $1750 plan and am at Shady Grove and I regret it because it made me lose about $900. Here's the scenario with the costs that would vary between the two plans:

1750 plan: Pay $300 (or $350, can't remember) in medicine costs. Pay $800 toward the deductible for the facility fee for your first retrieval. Pay another $800 for your next retrieval or for a transfer. Pay co-insurance for insemination of about $100 at each retrieval. Now you've met your deductible. The next facility fee if you need it for a retrieval or transfer will be $75. Let's say you only need 1 retrieval and 1 transfer. You've roughly spent $2000

1000 plan: Pay $1000 in medicine costs. Deductible met. Pay $75 facility fee for first retrieval and $0 for embryo insemination. Pay $75 for transfer facility fee. You've spent $1050.

See why I'm kicking myself?[/quote]

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