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Infertility Support and Discussion
Reply to "Federal Health Plans & IVF coverage"
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[quote=Anonymous]Two points: (1) I have Fed Aetna Open Choice PPO and they covered meds and diagnosis only, not IVF procedure itself. IVF at GWU. (2) Covered does not mean the same thing as eligible or allowed. So, my husband's plan (also Aetna) covers IVF, if we met their criteria. I could not get what that criteria was until after we had enrolled, then they gave me an over the phone test. I did pass, but the questions were how long we were trying, what diagnosis did we have, how old was I (no one cares about DH's age), when was my last period, had I purchased medication, did I have other insurance, etc. Basically this insurance person second-guessed my RE to determine if IVF was the right choice, whether I'd already started treatment and was now trying to get it covered, and couldn't someone else pay for this rather than them. Having good insurance is wonderful, dealing with any insurance co. is painful.[/quote]
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