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Infertility Support and Discussion
Reply to "MD Exchange Plans with IVF Coverage"
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[quote=Anonymous]I have one of the MD Exchange Plans (PPO Gold) and was told that they would not cover IVF until I went through 3 IUI procedures first. The clinic also told me that they do not cover IVF if using donor sperm (there may be some exceptions to this). Due to age and Dr. recommendation I will likely not be doing the 3 IUIs. I asked about the self-pay cost for doing IVF during the billing call and the billing specialist indicated that typically if IVF isn't covered, they won't cover the medications either. So really, it sounds like it will be fully out of pocket, despite her mentioning I actually had IVF benefits and if I weren't using donor sperm/did the 3 IUIs, would qualify for IVF coverage. It was hugely disappointing to have this benefit and not be able to actually use it. I would encourage anyone thinking of switching to read the fine print about in which cases the plan will cover IVF and when it will not. FWIW, I've had the same plan for the past 3-4 years. [/quote]
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