https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 02 Jul 2026 02:42:41 +0000 https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471842 Mon, 31 Dec 2012 08:14:38 +0000 loveletter 471842@https://boards.hellobee.com/ <p>Nothing. Part of the reason we decided not to pursue anything beyond Clomid and went straight to adoption. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471455 Sun, 30 Dec 2012 21:19:34 +0000 singingbee 471455@https://boards.hellobee.com/ <p>I haven't checked, but I'm pretty sure that mine covers nothing. My insurance is through my work and it is for a religious affiliated school. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471449 Sun, 30 Dec 2012 21:17:22 +0000 Grace 471449@https://boards.hellobee.com/ <p>Drugs were fully covered but no treatments. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471293 Sun, 30 Dec 2012 19:02:42 +0000 blackbird 471293@https://boards.hellobee.com/ <p>insurance covered all my infertility testing and chromosome testing, but nothing else. Clomid was at-cost ($20/month) and now i'm on Folgard, which they cover for $5/month. I guess there are lots of reasons women take that medication, though. </p> <p>My state does not require insurance to cover fertility stuff, though. You are very lucky if it's covered! </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471187 Sun, 30 Dec 2012 16:12:21 +0000 Trailmix 471187@https://boards.hellobee.com/ <p>We were so lucky, we could get up to $10,000 for IVF and everything before that (diagnosis, meds, IUI, etc) was completely covered after the co-pay of $20/visit...so thankful for everything! </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471156 Sun, 30 Dec 2012 15:31:31 +0000 kentuckygirl 471156@https://boards.hellobee.com/ <p>Mine has proven to be better than I anticipated. It covers diagnosis and treatment of the root cause of IF. It does not cover IUI or IVF. It covered my Clomid, Femara and all the monitoring ultrasounds. So far, they have covered my first round of injectible medications and I am hoping they will approve the ultrasound and bloodwork monitoring visits. We will pay for IUI out of pocket but I hope all the steps leading up to the actual IUI procedure are paid. We'll see. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471141 Sun, 30 Dec 2012 15:16:03 +0000 GreenThumb 471141@https://boards.hellobee.com/ <p>As others have said, my health insurance covered diagnosis for me and an initial SA for my husband, but the actual IVF itself was paid for out-of-pocket. We, however, have separate health and prescription insurance, and a lot of my medication was actually covered in part by our prescription insurance. That was a HUGE help! </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471128 Sun, 30 Dec 2012 15:09:36 +0000 dagret 471128@https://boards.hellobee.com/ <p>My insurance covers nothing - diagnosis, but no treatments. We got pregnant via a free IUI study at a teaching hospital near us. I don't know anyone in my state that has infertility coverage. </p> <p>DH's employer is in NJ, though, so I need to look into what his coverage entails - we may need IUI or IVF to get pregnant a 2nd time, or we could end up getting pregnant no problem...we'll see. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471106 Sun, 30 Dec 2012 14:38:21 +0000 swedishfish 471106@https://boards.hellobee.com/ <p>My insurance has a lifetime maximum of $25,000 which included IVF. I called my insurance company and got the discounted rates that my RE's office accepted to help figure out how many rounds of IUI/IVF we could afford. My medications came out of my prescription coverage. I'm lucky that I also have insurance through my husband. His insurance gives us a little less and any medications come out of the infertility coverage. But we were able to just use my insurance so far. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471094 Sun, 30 Dec 2012 14:29:28 +0000 mrs. bird 471094@https://boards.hellobee.com/ <p>Errrr. I'm learning this the hard way right now. My ins is great provided you are healthy or need tons of care, but anything in the middle and it blows! So it won't cover any testing or treatment for anything until you've met your deductible but once you've met it then it pretty much covers everything (ma requires all private health ins to cover ivf, so it's more that my state has provided reasonable minimum coverage requirements and our ins covers those to a T) minus your copays which depend on if you stay with preferred providers or not. So if you need expensive treatments, you won't go bankrupt from them, but if you need a few labs and minor help it'll probably cost you the same out of pocket as the person getting $15,000 in treatments. </p> <p>Short version: it covers anything once I've met our deductible, but there are copays and no diagnostics or treatments are coveted until deductible is met. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-471057 Sun, 30 Dec 2012 13:49:36 +0000 fairefaire 471057@https://boards.hellobee.com/ <p>Mine covers absolutely nothing. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470942 Sun, 30 Dec 2012 12:37:22 +0000 Bao 470942@https://boards.hellobee.com/ <p>We just got new insurance and it covers up to 10k of something, but not sure exactly what. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470935 Sun, 30 Dec 2012 12:33:13 +0000 spaniellove 470935@https://boards.hellobee.com/ <p>Ours covers everything until IVF, but no meds. And I'm paying a $40 copay at each monitoring appointment so that adds up pretty quickly but it beats not having any coverage. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470933 Sun, 30 Dec 2012 12:31:15 +0000 marionberry 470933@https://boards.hellobee.com/ <p>Mine doesn't cover anything. :( </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470930 Sun, 30 Dec 2012 12:29:28 +0000 KT326 470930@https://boards.hellobee.com/ <p>We have a lifetime max of 10k. It covers treatments and testing except for IVF. Luckily the drugs were covered under our prescription coverage. I need to find out how much we used. For #2 we might have to pay out of pocket. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470923 Sun, 30 Dec 2012 12:25:06 +0000 Bookish 470923@https://boards.hellobee.com/ <p>No fertility treatments at all. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470918 Sun, 30 Dec 2012 12:22:09 +0000 twinmama 470918@https://boards.hellobee.com/ <p>Only one infertility consult. We got some ultrasounds covered because of cyst monitoring. And a few meds like femara covered because the infertility use is off label. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470917 Sun, 30 Dec 2012 12:21:25 +0000 Tidybee 470917@https://boards.hellobee.com/ <p>Mine covered all of my testing and meds (Clomid and prometrium) as well as my IUI. It didn't cover IVF and some extra ultrasounds during the first trimester. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470915 Sun, 30 Dec 2012 12:20:46 +0000 yoursilverlining 470915@https://boards.hellobee.com/ <p>My insurance covers nothing. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470913 Sun, 30 Dec 2012 12:19:45 +0000 futuremama 470913@https://boards.hellobee.com/ <p>Mine covers diagnosis but not treatments of any kind, so no IUI, IVF, or even Clomid </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470892 Sun, 30 Dec 2012 12:07:29 +0000 ladyfingers 470892@https://boards.hellobee.com/ <p>None. </p> https://boards.hellobee.com/topic/if-you-have-insurance-what-fertility-treatments-does-it-cover#post-470890 Sun, 30 Dec 2012 12:06:30 +0000 BSB 470890@https://boards.hellobee.com/ <p>I think I have pretty good insurance but in terms of FT, it only covers 3 IUIs. If I have to go to IVF, I think it's out-of-pocket. </p>