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[quote=Anonymous]For this year, we could choose between Kaiser, Aetna, and MDIPA. Kaiser was out immediately because I don't like to be so limited in my doctor choices. Aetna covers meds only at 50% percent. MDIPA was our best option. They covered the meds in full, approved everything relatively quickly, and have not caused us trouble so far.

Only drawback is that you need to get a referral for specialist visits, but if you have a nice PCP, those can be faxed over without visiting PCP first. I also don't like the fact that your radiology facility depends on the state your PCP is in. My PCP was in MD, and that meant I had to go to Community Radiology for ultrasounds, which I did not like. So I switched PCPs to someone in DC, and now I can go to Washington Radiology, but only to the K St location, although I am much closer to their Chevy Chase location.

A drawback with MDIPA that ended up not mattering to us (because I got pregnant on first attempt) is that they count an IVF cycle as started once you begin injections, so if you don't respond well to a protocol and have to cancel, that was one of your three tries. Aetna, on the other hand, is said to only count it once you make it to retrieval (I'm not 100% sure about this).

Another good thing about MDIPA is that you only have one copay for your prenatal care, and that pediatrician visits have no copays until your kid is 17 or so.

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