Reply to Experience with purchasing health insurance off Maryland exchange in order to get some IVF coverage?

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[quote=Anonymous]Hello all! Asking for health insurance experience/advice: have any Maryland residents purchased health insurance off the Maryland healthcare exchange ( https://www.marylandhealthconnection.gov) in order to receive at least some coverage of IUI and/or IVF treatments? Maryland is one of 19 states that have passed fertility insurance coverage laws: https://resolve.org/what-are-my-options/insurance-coverage/infertility-coverage-state/

Background:

My husband and I in the early stages of consulting with doctors and fertility centers to see if IUI or IVF may be a path for us as we TTC.

I am a Federal employee, and have BCBS Federal Employee Program PPO.

As other threads have noted, not a single health insurance plan offered to Federal employees offers any coverage for infertility or fertility treatments (sidenote below re: how this is ridiculous). I have been a Fed for almost a decade, and am working towards Public Service Loan Forgiveness, so leaving Federal service for an employer that does offer fertility coverage or benefits is not currently an option. I am AMA, too, so timing is of importance.

My husband’s health insurance (BCBS South Carolina PPO, through his firm which is based in SC) does not cover anything for infertility or fertility treatments, either. So switching me over to his plan during the upcoming Open Season for such coverage is not an option.

We’re trying  to figure out how to afford something like IVF if we need/choose to go that route - ideally in a fiscally responsible way for two individuals in public service/public sector that won’t completely deplete our savings, or resulting in taking from our retirement funds.

We would love to hear from anyone that has switched, or had their partner switch over to Maryland exchange-purchased insurance (apparently the Exchange-purchased insurance could then be a partner’s secondary insurance. It may even be able to be my secondary insurance? Im going to call to check on this). A few more specific questions:

-Which plan(s) did you consider and/or switch to? Why?
-Did IUI/IVF/fertility treatment coverage work out under the plan as expected? If not, how?
-Did you find any negatives or unintended consequences of switching over to Maryland exchange-purchased insurance?

Thank you so much in advance for any insight! I do hope this thread will also help others trying to make similar health insurance decisions, too.

(Sidenote: In 2021, it is just ridiculous for health insurance offered by the Nation’s largest employer to not cover anything for infertility or fertility treatments. I’m making my voice heard to my Congressional representatives, as well as to my Agency, Federal employee unions, and OMB. I encourage others who find this similarly incredulous to please do the same!

Here’s some great info and resources from RESOLVE, the national infertility association, too: https://resolve.org/what-are-my-options/insurance-coverage/coverage-at-work/your-employer-and-your-options/)[/quote]

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