My health insurance sucks!!

mzamethystcrow · 10-18-2007, 12:17 PM

Okay, so I'm ranting here...my insurance won't cover ANY infertility treatments except for testing....

So, is there an affordable supplemental insurance anyone knows of that covers infertility??

kimr · 10-18-2007, 01:09 PM

Sorry about that - I live in NC and am an insurance agent. Many insurance companies only cover infertility for diagnostic reasons, not to fix it. We have BCBS of NC and they do cover infertility - which has been a big blessing! Call around to some of the individual health carriers in your area and ask them if they will cover the treatment as opposed to just finding out why you are infertile.

Good luck!

mzamethystcrow · 10-18-2007, 02:30 PM

I checked with Anthem, which is the CO equivalent of BCBS and they said no...*sigh* SOMEONE out there has to!

MonikaM · 10-18-2007, 02:56 PM

Mine didnt even cover testing!! Its not often that insurance will cover it.

fairy2323 · 10-18-2007, 04:44 PM

My sister works in insurance and she said that she has never heard of any insurance that will cover this. She said that most will only cover about $2,000 toward diagnostics and that's it.

hpotterfan1 · 10-18-2007, 05:22 PM

I'm in GA and mine wont cover anything, and it only pays a PART of my OB visits.

Fawn Leibowitz · 10-18-2007, 06:43 PM

My insurance changes every year and I've never had one that covers any of it. Interesting that Erectile Dysfunction and Viagra are high priorities and always covered.

justme5998 · 10-18-2007, 07:53 PM

Quote:

Originally Posted by Elwayfan

My insurance changes every year and I've never had one that covers any of it. Interesting that Erectile Dysfunction and Viagra are high priorities and always covered.

I know! What the hell is up with that!? My insurance doesn't cover infertility eithier Grr! My last dr's visit cost me 80.00 for him just to write me a prescription for clomid and check my blood pressure

.It took a whole 10 mins at that.

fairy2323 · 10-18-2007, 10:25 PM

Quote:

Originally Posted by Elwayfan

My insurance changes every year and I've never had one that covers any of it. Interesting that Erectile Dysfunction and Viagra are high priorities and always covered.

My guess is that the insurance companies get some kind of kick-back or incentive fromt the drug companies for covering these drugs.

JosieFB · 10-19-2007, 12:03 AM

Treatment for ED is tons cheaper than infertility treatments. Insurance companies couldn't pay for infertility treatments and make any money. Artificial insemination and in vitro fertilization cost thousands of dollars per try. I'm not being deliberately obtuse. I know that most folks just want them to pay for the drugs that stimulate ovulation. I don't understand why they have to lump it all together in one category.

I also think that they consider infertility treatments in the same category as cosmetic surgery. It is not necessary for a person to survive. Of course that doesn't explain why they pay for ED treatments. You can probably chalk that up to the fact that men are the head honchos in most businesses.

guineapig · 10-20-2007, 04:13 AM

I just wrote a huge post and it got deleted!!! GRR. Anyway, most states suck at infertility coverage. With a few exceptions, MA covers it and it raises the premiums about $2 a month. Whoa, $2! That pales in comparison to what we pay for people's health complications from smoking, drinking, fast food, driving like idiots, drugs, and people abusing the healthcare system with false claims. I work in the ER and trust me, there are a lot of people that fall into these categories.

I live in GA and we suck. They won't even pay for brand-name birth control of any type, no Ring, no YAZ, no Loestrin24. They suck! They wouldn't even pay my husband's antibiotic Levaquin last year. And this is state insurance from govt job!! Yet this "Christian" "family values" state pays 100% for elective abortion. Makes me want to vomit.

And I won't even go into the maternity leave and pay policies in this nation...SUCKS!!! Worst industrialized maternity policies on the planet, and we get the least regular old vacation too! *sigh*

Cajunlady · 03-24-2008, 03:56 PM

It really ticks me off that we pay a load of $$ for insurance and it does not cover ANYTHING for infertility. I have BCBS of La.

bad facial hair · 03-26-2008, 11:56 AM

I'm also very upset about insurance coverage. I found that without it certain doctors won't even see you or let you make an appointment in TX. So I got health insurance on my own then went through the process of getting reffered to the dr. and then my insurance didn't cover it. LOL So not only did I waste my money 323 for health insurance a month for over a year now, I have to pay out right for the test and everything.

MarineWife2005 · 04-03-2008, 08:07 PM

Luckly, I'm on TriCare and so far I haven't had to come out of pocket. However, my husband gets out of the military in Sept, so I am not looking forward to go back on regular insurance.

ShyChicagoGirl · 04-03-2008, 10:18 PM

Fertility coverage also varies state to state. Luckily we live in IL and we have BCBS and have pretty good fertility coverage...but IL isn't the only state that has state mandates for fertility coverage.

Here's a breakdown of which states provide what http://www.fertilitylifelines.com/pa...atemandate.jsp

10-18-2007, 12:17 PM	#1 (permalink)
mzamethystcrow Laura Join Date: Aug 2007 Location: Colorado Springs, CO Posts: 244 My Mood: Points: 4,723.23 Bank: 14,858.65 Total Points: 19,581.88 Donate	My health insurance sucks!! Okay, so I'm ranting here...my insurance won't cover ANY infertility treatments except for testing.... So, is there an affordable supplemental insurance anyone knows of that covers infertility?? __________________ To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Diagnosed with PCOS (sorta...) Summer 2007. TTC Since December 2005 (Almost two and a half years!) Meds/Vitamins: Metformin 1700mg (850mg AM/PM) L-Arginine 500mg AM Ginger 550mg AM Folic Acid 800mg AM Prenatal x2 AM Calcium 600mg PM Soy Isoflavones 40mg x2 AM

10-18-2007, 02:30 PM	#3 (permalink)
mzamethystcrow Laura Join Date: Aug 2007 Location: Colorado Springs, CO Posts: 244 My Mood: Points: 4,723.23 Bank: 14,858.65 Total Points: 19,581.88 Donate	I checked with Anthem, which is the CO equivalent of BCBS and they said no...sigh SOMEONE out there has to! __________________ To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Diagnosed with PCOS (sorta...) Summer 2007. TTC Since December 2005 (Almost two and a half years!) Meds/Vitamins: Metformin 1700mg (850mg AM/PM) L-Arginine 500mg AM Ginger 550mg AM Folic Acid 800mg AM Prenatal x2 AM Calcium 600mg PM Soy Isoflavones 40mg x2 AM

10-18-2007, 02:56 PM	#4 (permalink)
MonikaM Mom to 1, TTC #2 Join Date: May 2003 Location: Ohio Posts: 5,482 My Mood: Points: 7,317.30 Bank: 152,935,768.11 Total Points: 152,943,085.42 Donate	Mine didnt even cover testing!! Its not often that insurance will cover it. __________________ Mom To a PCOS/Male Factor Miracle DD (My Gymnastics Princess) - Megan 3 *To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.*

10-18-2007, 04:44 PM	#5 (permalink)
fairy2323 Registered User Join Date: Oct 2006 Posts: 477 My Mood: Points: 18,749.30 Bank: 0.00 Total Points: 18,749.30 Donate	My sister works in insurance and she said that she has never heard of any insurance that will cover this. She said that most will only cover about $2,000 toward diagnostics and that's it. __________________ To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. More than half way to my weight loss goal! To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

10-18-2007, 05:22 PM	#6 (permalink)
hpotterfan1 Waiting for a miracle. Join Date: Oct 2005 Location: GA Posts: 424 My Mood: Points: 288.12 Bank: 75,838.30 Total Points: 76,126.42 Donate	I'm in GA and mine wont cover anything, and it only pays a PART of my OB visits. __________________ Tabatha To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Me 30 DH 31 To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Dx in Oct. '05 1500mg Met Starting a healthier lifstyle. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

10-18-2007, 01:09 PM	#2 (permalink)
kimr Registered User Join Date: Oct 2006 Location: NC Posts: 39 Points: 674.82 Bank: 0.00 Total Points: 674.82 Donate	Sorry about that - I live in NC and am an insurance agent. Many insurance companies only cover infertility for diagnostic reasons, not to fix it. We have BCBS of NC and they do cover infertility - which has been a big blessing! Call around to some of the individual health carriers in your area and ask them if they will cover the treatment as opposed to just finding out why you are infertile. Good luck!

10-18-2007, 06:43 PM	#7 (permalink)
Fawn Leibowitz Registered User Join Date: Jan 2004 Posts: 203 Points: 302.64 Bank: 0.00 Total Points: 302.64 Donate	My insurance changes every year and I've never had one that covers any of it. Interesting that Erectile Dysfunction and Viagra are high priorities and always covered.

10-19-2007, 12:03 AM	#10 (permalink)
JosieFB JosieFB Join Date: May 2006 Location: Nashville Posts: 712 My Mood: Points: 20,346.07 Bank: 0.00 Total Points: 20,346.07 Donate	Treatment for ED is tons cheaper than infertility treatments. Insurance companies couldn't pay for infertility treatments and make any money. Artificial insemination and in vitro fertilization cost thousands of dollars per try. I'm not being deliberately obtuse. I know that most folks just want them to pay for the drugs that stimulate ovulation. I don't understand why they have to lump it all together in one category. I also think that they consider infertility treatments in the same category as cosmetic surgery. It is not necessary for a person to survive. Of course that doesn't explain why they pay for ED treatments. You can probably chalk that up to the fact that men are the head honchos in most businesses.

10-20-2007, 04:13 AM	#11 (permalink)
guineapig expecting FUR baby meow! Join Date: May 2002 Location: ATL Posts: 2,879 My Mood: Points: 25,571.82 Bank: 17,067.92 Total Points: 42,639.75 Donate	it sucks I just wrote a huge post and it got deleted!!! GRR. Anyway, most states suck at infertility coverage. With a few exceptions, MA covers it and it raises the premiums about $2 a month. Whoa, $2! That pales in comparison to what we pay for people's health complications from smoking, drinking, fast food, driving like idiots, drugs, and people abusing the healthcare system with false claims. I work in the ER and trust me, there are a lot of people that fall into these categories. I live in GA and we suck. They won't even pay for brand-name birth control of any type, no Ring, no YAZ, no Loestrin24. They suck! They wouldn't even pay my husband's antibiotic Levaquin last year. And this is state insurance from govt job!! Yet this "Christian" "family values" state pays 100% for elective abortion. Makes me want to vomit. And I won't even go into the maternity leave and pay policies in this nation...SUCKS!!! Worst industrialized maternity policies on the planet, and we get the least regular old vacation too! sigh __________________ Nuvaring--stopped due to mood swings & some TMI issues. waiting to try cerazette! allergy shots 2 yr Never wrestle with a pig. You both get dirty, and the pig likes it.

03-24-2008, 03:56 PM	#12 (permalink)
Cajunlady TTC# 2 Join Date: Oct 2006 Location: Louisiana Posts: 264 Points: 2,586.08 Bank: 12,125.33 Total Points: 14,711.41 Donate	It really ticks me off that we pay a load of $$ for insurance and it does not cover ANYTHING for infertility. I have BCBS of La. __________________ Me-31, Dh-30, Ds-5 TTC#2 since 10/04 DX IR- 6/2006 DX-PCOS-7/2006 2000mg Met 10 mcg Byetta. 2/23/07 1st round of 25mg clomid cd 5-9 P4-23.9 BFN 3/26/07 HSG- All clear No clomid this cycle 4/20/07 2nd round of Clomid 25mg cd 5-9 BFN 5/29/07 1st IUI clomid 50mg cd 5-9 P4 35.6 BFN 1/21/08 IUI clomid 50mg cd5-9 + trigger p4 35 BFN GEAUX TIGERS! 2007 CHAMPS! To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

03-26-2008, 11:56 AM	#13 (permalink)
bad facial hair Registered User Join Date: Mar 2008 Posts: 20 Points: 3,201.82 Bank: 0.00 Total Points: 3,201.82 Donate	I'm also very upset about insurance coverage. I found that without it certain doctors won't even see you or let you make an appointment in TX. So I got health insurance on my own then went through the process of getting reffered to the dr. and then my insurance didn't cover it. LOL So not only did I waste my money 323 for health insurance a month for over a year now, I have to pay out right for the test and everything.

04-03-2008, 08:07 PM	#14 (permalink)
MarineWife2005 Married to my Hero Join Date: Nov 2007 Location: Virginia Posts: 28 My Mood: Points: 632.90 Bank: 0.00 Total Points: 632.90 Donate	Luckly, I'm on TriCare and so far I haven't had to come out of pocket. However, my husband gets out of the military in Sept, so I am not looking forward to go back on regular insurance. __________________ Dawn (23) Brian (26) To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Married since 10.03.05 2 furbabies To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. : Sadie (3) & Nevaeh (4) DX with PCOS: November 2007 Officially TTC#1 since August 2007

04-03-2008, 10:18 PM	#15 (permalink)
ShyChicagoGirl Happy,Healthy & Preggers! Join Date: Oct 2007 Location: Chicago Posts: 507 My Mood: Points: 131.45 Bank: 316,834.19 Total Points: 316,965.64 Donate	Fertility coverage also varies state to state. Luckily we live in IL and we have BCBS and have pretty good fertility coverage...but IL isn't the only state that has state mandates for fertility coverage. Here's a breakdown of which states provide what http://www.fertilitylifelines.com/pa...atemandate.jsp __________________ ~Mere (34) BFP!!!! 3/24/08 (Thanks to Met, Soy and Weight loss!!) 1st Beta 3/24 - HCG 738, P8.3 2nd Beta 3/27 - HCG 2513, P20 (woohoo) TTC #1 since 10/06 DX PCOS:10/07 Meds: Wellbutrin XR 150mg, Met 1500mg. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. I got to my first weight loss goal..on to the next one! To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.