Anonymous wrote:The financial advisor told me they are honoring the $1850 Aetna rate-for now.

Do you mean in 2020?

The financial advisor told me they are honoring the $1850 Aetna rate-for now.

Anonymous wrote:I emailed SG to ask about the Aetna rate. Will post when I have an answer.

Thank you!

I emailed SG to ask about the Aetna rate. Will post when I have an answer.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you are a fed and considering Aetna, take a look at their birth coverage. For the PPO option, they are making you pay 10% of costs while other plans cover everything. that could erase the savings offered by the negotiated rate - particularly if you have any complications
I know it seems like putting the cart before the horse to look at birth coverage, but I would still factor it into your calculus.

I saw this. Terrible coverage. If SG honors the FET rate, I plan to enroll in the Aetna plan and schedule the FET for late May. I’ll switch over to BCBS during open season next year to have BCBS insurance in 2021 to cover the birth.

Do any of the FEHB plans cover maternity 100%? From the plan docs I read, looks like only GEHA.

BCBS did few years ago.

I delivered last month. The BCBS basic copay is $175

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you are a fed and considering Aetna, take a look at their birth coverage. For the PPO option, they are making you pay 10% of costs while other plans cover everything. that could erase the savings offered by the negotiated rate - particularly if you have any complications
I know it seems like putting the cart before the horse to look at birth coverage, but I would still factor it into your calculus.

I saw this. Terrible coverage. If SG honors the FET rate, I plan to enroll in the Aetna plan and schedule the FET for late May. I’ll switch over to BCBS during open season next year to have BCBS insurance in 2021 to cover the birth.

Do any of the FEHB plans cover maternity 100%? From the plan docs I read, looks like only GEHA.

BCBS did few years ago.

The Aetna negotiated rate would save over $2k per transfer. Meaning the live birth would have to have a copay of over $2k. Does anyone know?

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you are a fed and considering Aetna, take a look at their birth coverage. For the PPO option, they are making you pay 10% of costs while other plans cover everything. that could erase the savings offered by the negotiated rate - particularly if you have any complications
I know it seems like putting the cart before the horse to look at birth coverage, but I would still factor it into your calculus.

I saw this. Terrible coverage. If SG honors the FET rate, I plan to enroll in the Aetna plan and schedule the FET for late May. I’ll switch over to BCBS during open season next year to have BCBS insurance in 2021 to cover the birth.

Do any of the FEHB plans cover maternity 100%? From the plan docs I read, looks like only GEHA.

BCBS did few years ago.

Anonymous wrote:

Anonymous wrote:If you are a fed and considering Aetna, take a look at their birth coverage. For the PPO option, they are making you pay 10% of costs while other plans cover everything. that could erase the savings offered by the negotiated rate - particularly if you have any complications
I know it seems like putting the cart before the horse to look at birth coverage, but I would still factor it into your calculus.

I saw this. Terrible coverage. If SG honors the FET rate, I plan to enroll in the Aetna plan and schedule the FET for late May. I’ll switch over to BCBS during open season next year to have BCBS insurance in 2021 to cover the birth.

Do any of the FEHB plans cover maternity 100%? From the plan docs I read, looks like only GEHA.

Anonymous wrote:

Anonymous wrote:If you are a fed and considering Aetna, take a look at their birth coverage. For the PPO option, they are making you pay 10% of costs while other plans cover everything. that could erase the savings offered by the negotiated rate - particularly if you have any complications
I know it seems like putting the cart before the horse to look at birth coverage, but I would still factor it into your calculus.

I saw this. Terrible coverage. If SG honors the FET rate, I plan to enroll in the Aetna plan and schedule the FET for late May. I’ll switch over to BCBS during open season next year to have BCBS insurance in 2021 to cover the birth.

Obviously things can change from year to year, but as someone who has Aetna open access HMO, where it says, for example, inpatient is 10%, I just had a bad D&C and massive blood transfusion at Sibley and ended up only being charged $45 (plus ER visit copay). I think it’s 10% of the negotiated rate that Aetna gets, not like the $10,000 that they actually charge. Again, I could be completely wrong, but we have been surprisingly very happy with Aetna’s (technically non-maternity but equivalent coverage rates)

Anonymous wrote:If you are a fed and considering Aetna, take a look at their birth coverage. For the PPO option, they are making you pay 10% of costs while other plans cover everything. that could erase the savings offered by the negotiated rate - particularly if you have any complications
I know it seems like putting the cart before the horse to look at birth coverage, but I would still factor it into your calculus.

Ok but isn’t it 10 percent of the negotiated rate? I remember my negotiated rate for my csection at GW was $7k.

Anonymous wrote:If you are a fed and considering Aetna, take a look at their birth coverage. For the PPO option, they are making you pay 10% of costs while other plans cover everything. that could erase the savings offered by the negotiated rate - particularly if you have any complications
I know it seems like putting the cart before the horse to look at birth coverage, but I would still factor it into your calculus.

I saw this. Terrible coverage. If SG honors the FET rate, I plan to enroll in the Aetna plan and schedule the FET for late May. I’ll switch over to BCBS during open season next year to have BCBS insurance in 2021 to cover the birth.

If you are a fed and considering Aetna, take a look at their birth coverage. For the PPO option, they are making you pay 10% of costs while other plans cover everything. that could erase the savings offered by the negotiated rate - particularly if you have any complications
I know it seems like putting the cart before the horse to look at birth coverage, but I would still factor it into your calculus.

It’s been $1750 in 2019. I’m starting another cycle very soon and they’ve confirmed for this one, but no word one way or the other on 2020.

I’m curious about this too. I paid $1850 in 2017 for a FET.

Has anyone heard if shady grove will honor the Aetna negotiated rate for an fET ?

I understand in 2019 it’s been around $1,800.