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Infertility Support and Discussion
Reply to "Help me understand IVF insurance/should I wait for open enrollment?"
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[quote=Anonymous]It really depends how important it is to you. If it were me, you are 34 so time isn't ticking too hard so I would wait for insurance. But do realize, you won't actually be able to start Jan 1. SG won't submit authorizations for cycle approval until after the beginning of the year so you're looking at late Jan into February at the earliest. Another thing to consider is that shared risk covers freezing of any embryos. We had insurance and Aetna does not pay for that, we were quoted $1800+ for freezing and storage the first year. Shared risk also covers FET's, which would be an additional charge (or OOP cost) with insurance. However, SG says only 1/3 of couples have embryos worth freezing so it may be a non-issue. [/quote]
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