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I hope nobody here needs this information, but I discovered yesterday that my insurance doesn't cover infertllity testing and treatment. Because we were paying for the more expensive option of the plans offered I assumed that it was also the most comprehensive. I now know that one of the less expensive options is an HMO that covers testing, treatment, and drugs.<br><br>
I've missed by 6 weeks the chance to change that insurance, and the next chance is next year. So I would urge all of you TTC to go check it and learn from my mistake.<br><br>
Even if you don't think you'll need these services ( and I was sure I wouldn't) it's worth it to check it out and know what your options are and when you'd have to make a decision.
 

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thanks for the info
 

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<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/greensad.gif" style="border:0px solid;" title="greensad"> we looked at all of the ones offered by Dh's work...none of them cover it.<br><br>
Unfortunately - the ones at the new job don't either. But they do cover acupuncture and chiro. Which is good news.
 

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Good advice "just in case".... I just got a provider directory in the mail but I need to actually look at the policy- Blue Cross Blue Shield PPO in Fl... Supposed to be a great plan... will check it out, thanks.
 

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just checked mine out online- for those who may have Blue Cross Blue Shield Florida "State Employee" coverage:<br><br>
Payable Network - 80%<br>
Payable Non-Network - 60%<br>
Special Limits/Circumstances -<br><br>
Fertility Testing and Treatment Services:<br><br>
Some fertility tests and/or treatments are considered investigational or experimental and are not covered.<br>
Artificial insemination, gamete intrafallopian transfer, ovum or embryo placement or transfer, in-vitro fertilization, cryogenic and/or other preservation techniques used in such and/or similar procedures are not covered.<br><br><br>
of course, hoping I won't need that info myself (and no one else here of course!), but sharing just in case anyone else might need to know.....
 

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I didn't think there were many insurance companies out there that did cover fertility treatment. Unfortunately they don't consider it "necessary" which burns my hide, but that's another post all together. Our insurance covers nothing as far as fertility treatment goes. I need meds due to low progesterone. I wanted to try Crinone, a prog. gel, first. Went to pick it up at the pharm. and the woman said, "That will be $198." I asked if my dr. had given me a 6 month supply or something. She says, "No, that's for 18 days" Holy crap!!!! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/yikes.gif" style="border:0px solid;" title="EEK!"> So, I bought it bc we wanted to ttc. You start taking the medicine when you ovulate and then if you get pg you have to take it until the 2nd trimester. So dh and I were looking at about $1,000 out of pocket for this stuff. But, it's worth it to us, kwim. Then, I go to the dr. for a follow-up visit and we were discussing the whole Chrinone vs. Clomid issue. I am enlightened with some info. that I didn't know when making the initial decision between the two meds. She says that I would have to take Clomid for 5 days and 5 days only even if I got pg. And she says that Clomid costs about $40 for that 5 day supply. Those two things would have been good to know before I made that $198 trip to the pharm. So, I took my Clomid this month and have about 9 days to wait to see if I am pg!! So, yeah, the insurance company is not on my top 10 list right now. This is a good post though to remind us to check this stuff out- ty.
 
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