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[quote=Anonymous]I spent days reviewing all the plans knowing I would need IVF. In the end I chose Aetna Open Access HMO, however, I am going to go with MD IPA next year. What I discovered is that there were four federal plans that covered IVF (United, Kaiser, Aetna HMO, and MD IPA) all within the same price range (2800 - 3400). United only allowed 2 embryos to be transferred so that was out for me (as a 40 yr old I knew I would need the option to go with more), I already had some testing done and was told that if I went with Kaiser I would have to redo everything in house with Kaiser drs. Plus, Kaiser is a much more restrictive HMO and I wanted more options in terms of doctors (other than fertility) that I could see. That left Aetna and MD IPA. As far as I could tell the two plans were the same so I went with Aetna since it was an open access HMO.  Having now gone through the process I learned that where Aetna gets you is in the med costs. Although they cover 50% they change almost double the actual cost of the meds. My 50% ended up being around 3500 0 4000 a cycle. I even pointed this out to Aetna and they didn't deny it. From what I've read about MD IPA the meds are covered at a much better rate so I'm going to try them next time since my meds ended up costing more than the actual cycle with Aetna. Other than the med cost I really liked Aetna.

Just FYI about calling around - I tried to do that when I was choosing a plan and unless you are actually getting authorization for it never believe what they tell you as it is often wrong. They are not good with hypothetical.[/quote]

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