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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I need help everyone.  DH and I have been TTC since 4/2013.  We are with BCBS Federal.  I just had my first work up with the RE and everything turned up normal, except for low progesterone.  They suggest I try clomid with a trigger for a few months.  Would this be covered by BCBS Federal?

Say, come 4/2013, we still have had no luck with Clomid and trigger and need to progress further.  Would IUI be the next thing to use?  And if so, would BCBS cover it?  If not, should I use the current open season to switch to another carrier?  If so, which one would you all suggest?  We are currently working with Dominion.  Thanks.[/quote]

I can only speak about 2011, which is when I had BCBS federal. They covered all diagnostics in full, unlike some of the other plans that cover ARTs at 50% but only cover 50% of the diagnostics as well. BCBS also covered all meds, if they were NOT used in conjunction with any ARTs (assisted reproductive technologies). They consider IUI an ART, so no, they don't cover it. They would have covered the Clomid + trigger with timed intercourse. They would even cover injectables for a TI cycle. However, if you need anything beyond that, you'd have to switch to MDIPA or Aetna (I recommend MDIPA, because they cover meds in full).

So basically, especially if you have all diagnostics done, I'd switch to MDIPA now.[/quote]

Well, we are still young (I'm 31 and he's 33) and all my tests (except progesterone) turned up normal.  And we have only been TTC since 4/2013, so I wonder if we should stay with BCBS for this coming year (do the clomid + trigger for a few months), and then next year switch to MDIPA.  I don't want to jump the gun (but I also don't want to get stuck next year with health insurance that won't cover what I need).  Having never gone through the process, I just don't know what to expect 6 months from now.  Too early to switch to MDIPA?[/quote]

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