Reply to MD Exchange Plans with IVF Coverage

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[quote=Anonymous]I came here to post about the same thing! I found the Maryland Health Exchange website helpful as under ‘Plan Information’ they tell you what fertility coverage is available for each plan. Some require you to meet the deductible before the fertility benefit kicks in. Some require a copay versus some that require coinsurance. If you are considering BCBS this chart was helpful for me to compare the different levels of coverage: https://individual.carefirst.com/carefirst-resources/pdf/benefits-comparison-chart-md-2024-cds1217.pdf

I have narrowed down my choices to the CareFirst BlueChoice HMO or the BluePreferred PPO and would love to hear if anyone has experience with either, especially given that the HMO has a cheaper premium. I have already started fertility treatment at sgf and it is in network for both I believe. My financial counselor said the HMO may require a referral but my PCP is in network. I am a federal govt employee and will be using this a secondary insurance to my current govt plan. [/quote]

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