candace21

okay so here's the question,

my husband works for a small company , maybe 20ppl. He is tight with his boss. He is offered heath insurence, but it doesn't cover anything related to fertility treatments. If we talk to his boss about changing his insurence coverage to include fertility treatments, is that possible? Will it cost extra for his boss to add something like that? Do you have any idea of how much extra it would be? and would that then raise the amount that the employee's currently pay? Does it matter how many employees his company has for them to be able to offer these "extras"?

I would hope to be able to answer these questions before we talk to his boss, so it will be an easier and quicker decision for him to make.

oh and the insurence we are offered is blue cross blue shield of florida., if that makes any difference.

Please any advice will be so appreciated ! I don't know where else to ask about it!

thank you
candace

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sigmagirlie

I don't know anything about fetility treatments with insurance but I have Blue Cross Blue Sheild and I always call the number on my card when I have a question...so maybe you could do that...I hope that helps and if you haven't already posted this in the TTC board...I would because the ladies are very knowledgable about stuff like this....Christie

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PaintedDaisy

Typically, employers sign contracts with insurance companies to have coverage for a certain period of time. This time period is usually a year, at which point they have to renew or choose someone else. Because of this, it's doubtful the company can just switch insurance now. They'd have to wait until the contract is up before they can renegotiate.

Secondly, fertility coverage is EXTREMELY expensive, which is why most employers don't offer it. It would most definitely increase the employer's premiums, probably by a alot -- which I'm sure would increase the amount you'd have to pay. And since this is group coverage, it would increase the premiums for every employee, not just those that wish to use the fertility treatments.

Whether or not the insurance company requires a certain number of employees to offer that particular coverage is really up to them. The only way to know would be for the employer to ask when it's time to renegotiate the contract.

You can certainly ask, but I think it would be doubtful they could add the coverage and still make it reasonable. Perhaps a better strategy would be to see if they could implement a health savings account or some other method to make it easier for you to save for your own treatments.

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