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[quote=Anonymous]Hi all - I am 34 with unexplained infertility. Did a few IUIs, have had a few chemicals, and am now thinking of moving on to IVF. We might start IVF in August, paying out of pocket. However, I am a fed and could switch insurance to Aetna or MDIPA at open enrollment (Jan. 1). If I did that, I think one of them will pay half the costs plus meds, and the other requires 6 IUIs first which is crazy and there's no way I'm doing that. I think I'd also have to get a referral from a primary care provider which is doable but annoying.

I really, really want to start now and sign up for shared risk, but I am worried that I am foolishly wasting money if I could get insurance to cover some. SG has quoted me $16,000 for shared risk (6 cycles), plus meds would be more, plus ICSI and assisted hatching or PGS is more if we would need it.

What would you do -- go for it now, or wait? We have the money to do it now, but our retirement accounts would take a little hit, I guess. Am I right in assuming that insurance would cover $8,000 for shared risk and all meds?

TIA![/quote]

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