I did this. You have to calculate what the premiums cost you for a year and then compare it to the cost of 3 IVF cycles with transfers, plus meds. I spent $9,700 on premiums last year, but premiums have gone way up. Also, I was covering both me and my daughter so I paid more than you would as an individual. I ended up paying another $10,000 in medical expenses even with this insurance, but this included things like cryopreservation, storage, PGS testing, embryo biopsy, PICSI, and medications that weren't covered (human growth hormone is the only one I can think of right now).

The CareFirst PPO plan on the exchange was pretty good. It was $65 per monitoring appointment for ultrasound and bloodwork, and injectable fertility meds (all covered except Omnitrope) were a reasonable copay. The really nice thing was that it covers three attempts, but an attempt only counts when you actually transfer. So I ended up doing four retrievals and only ever had one count as an attempt because I only did one transfer.

Hi all,
I'm planning on doing IVF next year (probably) at Shady Grove, but my insurance doesn't have any fertility coverage. I've heard of women purchasing healthcare exchange plans for coverage. Has anyone done this, is it worth the monthly premium and deductables? Do they also cover meds as well? I'd like to keep my current insurance as well as it's very good (minus the lack of fertility coverage). If anyone has any experience doing this, please let me know! I understand there are criteria to be met, but I believe this shouldn't be an issue since we have to do IVF/ICSI due to a congenital defect. Thanjs for any input you have!