How do I know if my insurance covers treatments other than just the fertility drugs? Like iui's, injectables, ivf's? I keep reading the benefits but still dont understand? I can post what it says.
Any insight would be helpful.
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When I had BCBS of NC through my work they sent out a book that told in plain detail what was covered and what wasn't, I don't think I know of many insurance providers that do that, but it definately made my life a lot easier. If you don't have something like that USUALLY there is a # on your insurance card that you should be able to call and they can tell you what will be covered, what won't be covered, what percentage will be covered on certain procedures and what not.
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Well the best thing to do is call your insurance company and ask them if they will cover the services that you are needing cause normally the material is just broken down.
When you signed up you should have received a benefits package that lists everything that is covered. I have BCBS and there's a back and front page that shows in great detail what is and isn't covered. You could probably view it online, too.
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Actually, you are right. Some insurance companies make sure that it isn't entirely clear and won't give you a definitive answer when you call, without having the specific procedure codes. That said, your benefits description should at least list what it NOT covered under infertility diagnosis and treatment. If you'd like it post it here, maybe we can make sense of it.
__________________ Me 35 DH 39
Dx'ed PCOS 11 yrs ago; TTC for 2.5 years
Metformin ER 1500mg qHS since 8/07 8 cycles of Clomid 4 w/BTB IUIs - all BFNs 1 cycle Femara/IUI - BFN OHSS on too much Clomid Diagnostic lap/hyst/D&C 12/08 - RE found endo and treated. *3/09 IVF#1 - lupron, follistim, & menopur - BFP!!!
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This is what it says under the family planning section under the choice plus network (which im guessing is in the network):
INFERTILITY
Services for the treatment of infertility when provided by or under the direction of a Network Physician.
Benefits for In-vitro, GIFT, and ZIFT are limited to $10,000 per calendar year.
100%
PARENTSTEPS
ParentSteps Infertility Centers of Excellence Network provides access to some of the best infertility clinics in the country. These clinics have high pregnancy rates AND low incidence of multiple births. ParentSteps offers the ability to purchase treatment cycles and infertility medications at group discount prices. ParentSteps also provides infertility nurse specialists who can educate you on your diagnosis and treatment options.
For information concerning infertility treatment, please visit ParentSteps atwww.urnparentsteps.comor call 1-866-774-4626.
BIRTH CONTROL PILLS
See Prescription Drug Section for pharmacy benefits.
Reproductive Resource Services Program (RRS)
Not Available
REPRODUCTION Same as: · Physician's Office Services · Professional Fees · Hospital-Inpatient Stay · Outpatient Diagnostic and Therapeutic Services.
Applicable services: · Voluntary sterilization. · Health services and associated expenses for elective abortion. · Contraceptive supplies and services. · Fetal reduction surgery. · Health services associated with the use of non-surgical or drug-induced Pregnancy termination.
The following services are not covered: · Surrogate parenting. · The reversal of voluntary sterilization.
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I'm finally Mrs. Santiago To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
Dxed Pcos 2001
Dxed Hypothyroid 2008
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You have coverage up to $10k for IVF and related, which is great. Most people have nothing. Although they are not entirely clear about diagnosing infertility and IUI, if they are giving you coverage for IVF, IUI is very likely covered...and without the 10k max. That parentsteps thing sounds like it could be very helpful, if you end up needing IVF, because 10k will probably only get you one cycle.
__________________ Me 35 DH 39
Dx'ed PCOS 11 yrs ago; TTC for 2.5 years
Metformin ER 1500mg qHS since 8/07 8 cycles of Clomid 4 w/BTB IUIs - all BFNs 1 cycle Femara/IUI - BFN OHSS on too much Clomid Diagnostic lap/hyst/D&C 12/08 - RE found endo and treated. *3/09 IVF#1 - lupron, follistim, & menopur - BFP!!!
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How do I know what is covered? 
