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Infertility Support and Discussion
Reply to "Federal Health Plans & IVF coverage"
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[quote=Anonymous]You might want to look at the United Health Care high deductible/health savings account plan. I had great private sector coverage for #1, but changed jobs to one with crap coverage. When we investigated federal options about this time last year, I thought United was the only one offering IVF coverage (but obviously I was wrong given the answers above). The advantage of the high deductable account is you can put away a lot of money in the health savings plan (tax free like a FSA, but not use or lose) and use it any way you like. Plus, you get the insurance company negotiated rate for everything. Plus, because United actually covers IVF, if you spend up to your cap, then they start paying for the IVF. We didn't actually test this b/c we actually are one of those awful people who had a "oops" after an IVF. But, the United coverage has been good for pregnancy too. If I had a chronic problem (ashma, etc) I would not recommend it.[/quote]
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