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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]First time poster here and really glad to have found this discussion forum. Thanks to everyone who has shared their experiences & advice.

I was wondering if anyone else has considered purchasing an individual plan or are currently using the Carefirst BlueChoie or HealthyBlue options? In this case, would you drop the FEHB coverage altogether (I'm guessing so)?

I've been using Aetna Open Access this past year and started my first IVF cycle with SGF in the fall, so I was also really disappointed that they're getting rid of IVF coverage. So far, the plan has been pretty good except for the ridiculously high costs of the injectable meds through Aetna Specialty Pharmacy and their authorization/refill procedures. I'm now self-paying for meds. Wanted to see if it would be worth switching to a Carefirst Maryland plan, if coverage for IVF, FET, and meds are decent.

Thanks[/quote]

I'm in the same boat as you. I am currently a FED and I have Aetna open access. I'm wondering if I can keep my Aetna open access plan and keep my wife on it and just have my wife sign up for a private plan through CareFirst to take advantage of the Maryland mandate?[/quote]

My coworker is doing this. She's the fed and keeping fed ins with her husband on it , and is getting the carefirst as a supplemental ins.Even with an additional few grand a year premium it's still cheaper than one round of ivf.[/quote]

Awesome to hear that others are doing this. I wasn't sure if there was some sort of stipulation about having two health care plans or if I had to be on the private insurance plan as well. I think we are going to go with the Blue Choice HMO 3500 plan where it lists AI/IVF costs as "no cost, no deductible" so that seems like we would just be able to schedule an appointment and begin the cycle. The only thing I'm worried about now is if I have to be on the plan as well (as the husband) and if there is some sort of waiting period to begin the process. I read that the requirements are that we have to have been trying to conceive for at least 2 years. We have been, but I'm not sure if they make you prove that somehow.[/quote]

That's the exact plan she's getting! I'm not sure I understand your question. You don't have to be on the supple gal plan unless you want coverage. She can get the MD plan herself and be the policy holder is my understanding.[/quote]

I read a little more about the Blue Choice HMO 3500 and it I do not have to be on the plan with my wife in order to start the IVF cycle, however, the Blue Choice plan only pays for semen collection (sperm wash) if I am also a plan member. Since I won't be, that will be something that we'll have to pay for out-of-pocket. The only thing I need to know now is how do we prove that we have been trying to conceive for 2 years. Do we need to have been married for 2 years or do we just say that we've been trying for 2 years.. Does anybody know the answer to that?[/quote]

PP here. I know shady grove and many other RE define trying as having unprotected sex. This doesn't mean temping, or using opk, or checking fertile mucus or keeping record of charts. So, if they ask (and no one ever asked me to prove it) they usually just ask how long have you been trying. [/quote]

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