Reply to Feds - what's the best insurance for IVF?

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[quote=Anonymous][quote=Anonymous] As for Aetna, I am curious whether SG will still offer the negotiated rate.  Based on the explanation the financial folks provided me, I doubt it: Aetna requires  non-covered services to be offered at the negotiated rate.  But if there are not any covered services, there is not a negotiated rate presumably.
I feel lucky to have had limited coverage this year and it truly saddens me that the women in public service in the DC area won't get any coverage.  Infertility is a disease.  It is wrongheaded that it is being treated differently than many other health conditions. [/quote]

I actually heard differently. Based on a conversation with SG, keeping Aetna WILL still help get the negotiated rate next year even though the fed plan doesn't cover IVF anymore. The way I understand it - and someone should please check this and report back - even though the Aetna HMO FEHB plan will no longer cover IVF, other Aetna plans still will, and Shady Grove's contract is with Aetna generally, not specifically the FEHB plan. SG has no plans to change their contract with Aetna and as long as they keep that contract in place, if you have Aetna you'll get the negotiated rates. One catch might be they weren't able to tell me when that contract might expire or when it could be renegotiated. So there is a chance that could change the status quo - but the way I understand it, it could still be very worthwhile to keep Aetna's HMO plan if you are paying OOP for fertility treatments. I was planning to switch to BCBS but now it seems worthwhile to keep Aetna. [/quote]

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