Reply to Federal Health Plans & IVF coverage

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]
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.

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They only cover 50% of ART treatments, this is unrelated to diagonistics.  So if you are still trying to figure out what is going on, you can get that cover like normal doctor's visits.  [/quote]

no, NOT true.  MDIPA pays 50% beginning at the diagnosis stage.  They pay 50% of the first visit to the RE, the hsg, bloodwork, etc.  Blue Cross will pay these visits at 100%.

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I guess I should clarify that we had Aetna, I don't know anything about MDIPA. When I went to my RE for visits that did not involve treatment, I just had to pay my co-pay.  All of my blood work (as long as it went through Quest) and my husbands SA were paid at 100%.   I did not have a HSG or a saline sono while on Aetna, so I can't speak to those.  The plan summary is a little unclear, so if someone is thinking about Aetna they might want to get clarification on what would be covered before you start an ART cycle.[/quote]

MDIPA here---
so in this way Aetna and MDIPA differ.  MDIPA pays 50% of any visits to the RE and all testing and treatment ordered by the RE---from visit #1 onward.  So as a previous poster mentioned, the most economical way to proceed with infertility testing and IVF when using the federal plans is to have BCBS (or Aetna per your post) for testing and then MDIPA for IVF (because although the cost of IVF is the same as with Aetna, the drugs are cheaper with MDIPA).  If you can manage to switch plans at just the right point in the calendar year, this would be the cheapest. [/quote]

Yes, except Aetna covers IUI at only 50%, whereas CareFirst HMO covers it fully (plus the drugs).
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