Reply to Federal Health Plans & IVF coverage

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[quote=Anonymous]We have MDIPA through the federal government and have no problems getting infertility testing/treatment covered.  Under the federal MPIPA plan, everything is covered at 50%.  This is different than most insurance plans that cover testing at 100% and treatment at 0% so you may end up paying more for testing (hsg, etc.) under MDIPA but the IVF coverage is the best among the federal plans.

Our first cycle was back in 2006 and our 50% was about 4.5K at Shady Grove.  Meds were covered in full.  We just recently did a FET with our left over embryos and it cost us 2K after MDIPA payed their half.  Again, meds were covered. 
MDIPA requires both a referral from your PCP to see a RE and a infertility "pre-authorization" which is a special form that your PCP will need to fill out. Then the RE will need to submit another pre-authorization for IVF.  However, we had NO problems getting either. I'm pleased to say that MDIPA has been quite orderly and efficient.  Shady Grove is very familiar with them and had our authorization for IVF approved within 5 days of our consult visit without us doing a thing.

I should add that MDIPA required us to be married (for a year, two?--can't remember??) and have some sort of documented fertility (ours was Male Factor which was very obvious on a semen analysis).  I believe they require those with unexplained infertility to vouch that they have been TTC for 2 years.  Lastly, when I checked in 2006, MDIPA was not paying anything towards IUIs.  Certainly this may have changed but it was the case at that time.

Good luck![/quote]

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