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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I am a federal employee and looking at options for IVF coverage (not IUI). We need all the things, IVF with ICSI and PGT-A testing. I have looked at the options and it seems the best ones for the most coverage would be either BCBS Standard ($25k annually covered) or Carefirst Bluechoice Standard ($45k annually covered - more coverage but higher premium but still the best "deal"). The 2025 plan brochure for Carefirst has not been put on the website yet.

Does anyone have any other thoughts or understanding? I am looking at the OPM webpage for 2025 infertility coverage (https://www.opm.gov/healthcare-insurance/healthcare/reference-materials/reference/2025-fehb-ivf-information.pdf).

I find this process and looking for details on coverage incredibly confusing. Help if you know, please![/quote]

25k will only cover around 1 IVF cycle. Have you done IVF before or is this your first time?[/quote]

That is incorrect. It depends on the negotiated rate your clinic has with insurance. I’m using BCBS this year at SGF. Only fertility treatments count towards the annual max, so for example, retrieval is around $4k towards the $25k. Monitoring ultrasounds do not count towards the $25k. Meds are also separate.[/quote]

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