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Infertility Support and Discussion
Reply to "Aetna Maxed out"
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[quote=jindc]I have a few questions since so many of you are experienced - which is a huge help for me! If I'm going to select MD IPA for open season, if I find a doc who takes both (GW docs do) and get a referral to the RE for treatment/IVF before January - before I'm on MD IPA, will they make me go back, or will that document transfer over? the Aetna I have (CDHP PPO) has no fertility coverage, but if I get a check up and say I need this, I'm sure I could get it....I thought if I could do that before January if it can work well that way, I might as well. Second question - is there a reason to do "self plus family"? My husband and I were both just going to get our own insurance plans - maybe even the same, just individual self plans. Along those lines, if next year we get on the same plan, do my three attemps with MD IPA start over as long as I'm under the lifetime limit for cost? Lastly! From experience, what is the cost difference with FET? I'm hoping with an ER procedure, I can have some to freeze and avoid using my three chances, if I have to, right away....do the drugs count the same, or do you pay for them out of pocket? I don't know these things. Thanks, all - this is very educating![/quote]
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