Anonymous wrote:I am so grateful for this site. I have learned so much and just want to say thank you all. I went on the maryland exchange website and saw that for 2020 the prices have slightly decreased for individual insurance.

That is great news! Best of luck next year.

My employer in VA got fertility benefits through Progyny, anyone have experience using them?

I am so grateful for this site. I have learned so much and just want to say thank you all. I went on the maryland exchange website and saw that for 2020 the prices have slightly decreased for individual insurance.

Anonymous wrote:

Anonymous wrote:I'm thinking of moving ASAP from DC to MD in order to afford to keep trying IVF/IUI. Does anyone know if I would be immediately eligible to switch my insurance/get coverage as soon as I move?

I'm pretty sure the mandate is based on your employer location, not your residence. So your employer needs to be in MD.

My employer is in DC, but I’m a MD resident. I purchased individual insurance through CareFirst during their open season, which I believe starts in November, but you should call to check.

An update from the Maryland Health Benefit Exchange:

https://www.marylandhbe.com/wp-content/uploads/2019/09/091919_2020-Rates.pdf

BALTIMORE (SEPT. 19, 2019) – Statement from Michele Eberle, executive director of the Maryland Health Benefit Exchange, on new rates approved by the Maryland Insurance Administration for health insurance plans for 2020 on the individual market in Maryland:
“We are extremely pleased that for the second year in a row, most insurance plans offered by Maryland Health Connection will offer lower monthly rates for consumers.

“Not only are most premiums going down, but we are excited to introduce our new value plans. These plans offer deductibles that are hundreds or even thousands of dollars cheaper than in 2019. Value plans are designed to give Marylanders more access to primary care, mental health care, and generic drugs before their deductibles apply.

“Open enrollment for 2020 on MarylandHealthConnection.gov begins on Nov. 1, 2019 at 5 a.m. and ends Dec. 15, 2019 at midnight. Like last year, the website and the Enroll MHC mobile app will be open 5 a.m. to 1 a.m. daily. People can preview the various plans on MarylandHealthConnection.com beginning the week of Oct. 7. And for those who qualify for Medicaid, enrollment is year-round.

Anonymous wrote:

Anonymous wrote:Ladies I have a question. I plan on signing up for this plan in November to start in the new year and I wanted to know if I HAVE to do the IUI's first or can I just jump to IVF? I have endometriosis and I'd rather not waste any more time.

https://www.shadygrovefertility.com/affording-care/accepted-insurances/knowing-your-benefits


"For patients whose spouse is of the opposite sex, the patient and her spouse must have at least a 2-year history of involuntary infertility or infertility must be associated with one or more of the following conditions
Endometriosis
Fetal exposure to diethylstilbestrol, also known as DES
Blocked or surgically removed Fallopian tubes
Abnormal male factors, including oligospermia, contributing to the infertility"

Looks like endometriosis is covered. We had male factor and we had zero issues with insurance. The whole process went quite smoothly.

Thank you very much. I go to GW so I am hoping they follow the same rules,

Anonymous wrote:Ladies I have a question. I plan on signing up for this plan in November to start in the new year and I wanted to know if I HAVE to do the IUI's first or can I just jump to IVF? I have endometriosis and I'd rather not waste any more time.

https://www.shadygrovefertility.com/affording-care/accepted-insurances/knowing-your-benefits


"For patients whose spouse is of the opposite sex, the patient and her spouse must have at least a 2-year history of involuntary infertility or infertility must be associated with one or more of the following conditions
Endometriosis
Fetal exposure to diethylstilbestrol, also known as DES
Blocked or surgically removed Fallopian tubes
Abnormal male factors, including oligospermia, contributing to the infertility"

Looks like endometriosis is covered. We had male factor and we had zero issues with insurance. The whole process went quite smoothly.

Anonymous wrote:Ladies I have a question. I plan on signing up for this plan in November to start in the new year and I wanted to know if I HAVE to do the IUI's first or can I just jump to IVF? I have endometriosis and I'd rather not waste any more time.

I think your RE has to be able to demonstrate that you need to go straight to IVF for medical reasons.

Ladies I have a question. I plan on signing up for this plan in November to start in the new year and I wanted to know if I HAVE to do the IUI's first or can I just jump to IVF? I have endometriosis and I'd rather not waste any more time.

Anonymous wrote:I'm thinking of moving ASAP from DC to MD in order to afford to keep trying IVF/IUI. Does anyone know if I would be immediately eligible to switch my insurance/get coverage as soon as I move?

I'm not sure, but a move might be a qualifying "life changing event"

https://individual.carefirst.com/individuals-families/health-insurance-basics/what-is-aca/qualifying-life-event.page

"You permanently moved into our service area within the last 60 days."

Even if you cant get coverage right now, if you live n Maryland during open enrollment in November, you could have insurance in January.

I waited to start with Shady Grove until I had my new insurance plan. I didn't actually start stims until April with waiting for appointments and testing and insurance approval. So if your current insurance can cover testing, then you could probably get treatment within a month or two in the new year.

Anonymous wrote:I'm thinking of moving ASAP from DC to MD in order to afford to keep trying IVF/IUI. Does anyone know if I would be immediately eligible to switch my insurance/get coverage as soon as I move?

Pretty sure you would have to wait until the new year unless you lost your other insurance.

Anonymous wrote:

Anonymous wrote:I'm thinking of moving ASAP from DC to MD in order to afford to keep trying IVF/IUI. Does anyone know if I would be immediately eligible to switch my insurance/get coverage as soon as I move?

I'm pretty sure the mandate is based on your employer location, not your residence. So your employer needs to be in MD.

Moving anywhere won't help you get insurance that covers IVF through the Federal government, as state infertility coverage mandates don't apply to the Federal government. You could, however, buy your own plan through the MD exchange. Not sure how that works.

Anonymous wrote:I'm thinking of moving ASAP from DC to MD in order to afford to keep trying IVF/IUI. Does anyone know if I would be immediately eligible to switch my insurance/get coverage as soon as I move?

I'm pretty sure the mandate is based on your employer location, not your residence. So your employer needs to be in MD.

I'm thinking of moving ASAP from DC to MD in order to afford to keep trying IVF/IUI. Does anyone know if I would be immediately eligible to switch my insurance/get coverage as soon as I move?

OP here, thank you for the responses. I was somewhat relieved that we wouldn't have to pay out of pocket 100%