Reply to Open enrollment decisions--what would you do?

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[quote=Anonymous]It's almost open enrollment and I have to decide between my insurance and DH's and I am struggling to decide which option is best. We've been TTC for 8 months with no success and I will turn 34 next year. If this continues we may end up pursuing infertility treatment, which is a whole new world to me. If you were in my situation, what would you do given these choices?

Insurance 1: UHC. Has some coverage for infertility (covers 90% of treatment of underlying condition and artificial insemination after a $200 deductible). It also offers access to ParentSteps, which is a program that offers the ability to purchase multiple treatment cycles and infertility medications at group discount prices. The only participating clinic in this area is Shady Grove. There is not much info about it on their website beyond an example saying that one cycle of IVF costs $12,000 on average and with the program the cost would be $7,900 at Shady Grove

However, coverage for pregnancy and L&D is not as good--I've been told by a UHC rep the out of pocket costs can be around 4 grand as a ballpark.

Insurance 2: BCBS. There is NO coverage for infertility at all, including diagnostic studies done for assessing infertility or any procedures done o enhance fertility. However, they told me that they do cover treatment of any underlying medical conditions, ie endometriosis, PCOS.

Coverage for pregnancy and L&D is amazing--it's 100% of most things....

Given these options, which would you go with?

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