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[quote=Anonymous][quote=Anonymous][quote=Anonymous]is the $20K meds being billed through insurance?  I highly recommend paying for meds OOP so you don't burn throguh your $100K lifetime max on meds too.  Insurance rates for meds are often 2-4x higher than if you pay for meds OOP; I learned this the hard way (my first round cost $28K in meds billed through insurance; I paid OOP for my second round and it was $9K!).  It sucks bearing the financial brunt of the meds, but if it means you can get more rounds in then it's worth it. [/quote]

I'm wondering if that limit applies to fertility meds or all meds[/quote]

Typically there is a set of billing codes and medications that are included under the fertility coverage clause of your insurance contract (between your HR and the insurance company). Some meds are only covered when billed under fertility (think Gonal-F, etc.) and some can be prescribed for multiple uses (think estrace supplements). Typically it's the fertility-only meds that are the very expensive ones. If you get everything filled through your specialty pharmacy, it may all be billed as fertility. If you take the estrace prescription to Walgreens, you may get away with having it billed under your regular prescription coverage. It depends on your specific insurance provider and the insurance plan. [/quote]

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