Reply to no fertility coverage, boss says company not big enough for insurance coverage. can this be true?

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Reply to "no fertility coverage, boss says company not big enough for insurance coverage. can this be true?"

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[quote=Anonymous]You have a distorted sense of entitlement.  Fertility coverage is an optional item and not something that an employer should need to cover.  Many companies are offered packages based on the number of employees and they can choose certain options.  Fertility coverage is very expensive, especially for smaller companies as the costs to premiums ratio is very high and the insurance company is very likely to lose money on offering it, especially with very few employees enrolled.  So, many companies aren't given that option without switching to much more expensive package plans and some don't have it as an option at all because it.  Calling Carefirst and talking to a non sales representative who has no idea of the type/size/category of your company really has no relevance to whether the option is available.

We used a gestational carrier and we had to purchase independent health coverage for her that included fertility treatments.  It cost us about $500/month for about 14 months.  It was expensive, but the costs were higher than the $7000 that we paid for the policy.  The fertility treatments, prenatal care and the monthly ultrasounds and neonatalogist expenses (our twins were considered a high risk pregnancy), it all came to much more than $7000.  Additionally, after the twins were born and they reverted to our own insurance (also BCBS, but not Carefirst), we incurred $140K worth of hospital expenses and we paid about $8K out of that amount.  If you purchase your own policy that covers fertility treatments as a secondary policy to your existing policy, all expenses will be sent to your BCBS insurance first and any unpaid expenses after that are subsequently sent to the new policy that you'd get.  You only get billed for what isn't covered after going through both policies.  I think you'll find that the money that you spend on buying your own auxiliary insurance policy will be less than the expenses without it.[/quote]

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