Could you have dh get a copy of his plan so you can compare?
Dh worked for a company in Illinois and he had HMO. That plan covered fertility up to 3 ivf cycles. I never had a problem with them not paying anything. During my pregnancy with the twins all I paid was 1 10.00 co-pay during my first prenatal visit, then 30.00 for training we had to take for the breathing monitors we took the twins home on. They were in the nicu for over a month.
Then he got another job, same state, ppo. I am grateful that I get to go to whatever Dr I choose but no in fertility coverage what so ever, not even clomid, not even diagnostics test. He worked for a union and there was over a 1000 employees, so I am not sure about the details of that law.
We are getting a new insurance in January, another ppo. Again, grateful to be able to keep/choose my Dr's but it seems to have a lot more restrictions to me than my old HMO.
For instance, because I am high risk for a number of reasons, I have to have multiple ultrasounds, I am scheduled 3 this year and we only have a little over a month left. My ppo now is covering them, but the one that goes into effect in january on allows 1 ultrasound per pregnancy. I will have to be fighting them a lot.
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