Reply to Kaiser - Infertility Services DO count toward OOP Max

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[quote=Anonymous]The new FEHB Plans are not out yet, and probably won't be out until the end of September/Early October No one can say if they will change or not.

There is not a waiting period per say, you need to have been trying to conceive for at least a year. Keep in mind, you have to wait for your Hubby and you to get in the Kaiser System. Which takes a couple weeks from the first federal pay period. Then you have to schedule an appointment with your physician (another couple of weeks) then you need to get the referral to shady grove (another couple of weeks after you drop off paperwork) Also, since you and hubby will be on a shared family plan, the Out of Pocket Maximum will be $4500 not $2250 (if kaiser midatlantic) I think you need to figure out what your treatment plan is before you decide if shared risk vs insurance is better. I can tell you, it is/was much much cheaper to do Kaiser and Freeze the Embroyos vs the Frozen Embroyo Shared Risk Program. It was almost half the cost of the shared program for 3 shots at it. Might have been a little less than half. Also, if you do shared risk, make sure they give you FSA receipts, also if your hubby isn't enrolling in that, he should. It saves you about $800 since that money is pretax.[/quote]

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