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[quote=Anonymous]I realize I'm reactivating a VERY old thread here, but I was hoping for some advice on this topic.

My initial fertility treatments were partially covered by our insurance through my husband's employer in 2022 and 2023. It started as Empire BCBS and switched to Anthem BCBS - unfortunately it didn't reset in that switch, but I was ok because I did three retrievals and the policy covered up to three retrievals.

Then earlier this year we switched to the Federal BCBS (FEP Blue) plan, which was structured as a $25,000 lifetime max. I was under the impression that it reset because he switched employers and the policies were completely different. I did my fourth and final retrieval earlier this year, and just found out from the clinic that my retrieval costs were denied by insurance because I had met my $25,000 max which surprised me because I have only been on the plan for several months. So it appears that what I already did through my husband's previous employer did not reset when he switched to a government job.

Does anyone have experience with this type of situation? All of the threads I've read talk about things resetting when you switch employers, but does not apply if both employers are pulling from the same network? In my mind Anthem BCBS and FEP Blue were different, but maybe not?  [/quote]

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