Reply to Federal Health Plans & IVF coverage

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[quote=Anonymous]I've done quite a bit of research on the different Federal options and for those who are still at the diagnosis stage or haven't reached the point of needing IVF, it seems like CareFirst BlueChoice HMO is the best option (not to be confused with the BCBS PPO, which is different).  You get 100% coverage of diagnosis and treatment (minus a small co-pay) up to and including IUI.  Most fertility meds (including injectables) are also fully covered assuming they're used with covered services.

With plans like MDIPA, Kaiser and Aetna, there's only 50% coverage for all services related to infertility.  These are the go-to plans when you need IVF, but if you aren't there yet you could end up spending a lot more out of pocket.

Best case scenario--get all your diagnosis done, your Clomid cycles, your IUI's, etc. under CareFirst BlueChoice HMO, and then switch to a plan like MDIPA the following year if it turns out you need IVF.

The only downside to the above is if you need to go out of town for treatment.  The HMOs generally won't cover out-of-town clinics or prescriptions written by out of network doctors.[/quote]

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