My company just opened up its health insurance enrollment for 2016 and I am researching switching plans to one that covers infertility treatment. The insurance plan (Blue Cross Blue Shield) info I'm seeing notes that you must be infertile for 1 year before the benefits are available. By the time January hits, I'll have been trying for a year and will have had one miscarriage during that timeframe. My husband seems to think the miscarriage will reset that 1 year time frame but I can't imagine that is the case since it was not a successful pregnancy. I have a call into my RE office's insurance person but I was just wondering whether others have had experience with getting their insurance to cover IUI/IVF and the one year requirement.
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I'm pretty sure that "infertility" is at least 12 months of not having a live birth (miscarriages don't reset it)
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After I had my miscarriage I asked my doctor about fertility treatments and they said thr fact that I was able to get pregnant mean there was likely not an issue getting pregnant. Now it was all about keeping me pregnant. All that to say check with the insurance provider.
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For anybody else who might be interested, my RE's office finally called back. Apparently, your RE just indicates it's been a year of infertility when submitting the claim and in my state infertility is also the inability to sustain a pregnancy.
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