Trying to fnd a loop hole....

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ChrissyD2103's picture
Joined: 10/09/07
Posts: 526
Trying to fnd a loop hole....

So I am trying to find a loop hole to make IVF more affordable. My original plan was to go back to work for a year and use that money, which I will do if it comes to that, but I don't want to be away from my kiddos. So I have been trying to find ways to avoid that. Our current insurance covers IUI's etc, with a $20,000 life time max and we have only used about 5,000 of that leaving 15,000. Since IUI's will no longer be an option, I am in the process of appealing to our insurance co to use the remaining coverage for IVF. Sent out the email today.......Also in the US there are 15 states that have mandated infertility coverage, however only a few states cover IVF, but your insurance has to be, "fully insured" meaning it would follow state guidelines in which ever state you live in. Otherwise it would follow federal guidelines and they are not required to follow state mandates......I am still trying to figure out which one my insurance is. I think it is, "self insured" which would suck but it is worth a try. If it is fully insured my DH could put in a transfer to one of those states, moving would be WAAAAY cheaper than IVF.........Anyone else have any good idea????

ChrissyD2103's picture
Joined: 10/09/07
Posts: 526

We are just a regular middle class family so to just throw around $20,000 is a big deal ya know?? If I can find a way around it, I will. We have also decided to do the IVF share program which gives you 3 fresh cylces and 3 frozen if you don't take home a baby after that you get 90% of your money back. IVF is still at least 6 months away, and I am hoping for a miracle in the mean time. Maybe my healthy life style will lead to a BFP. I know the chances are slim but a girl can dream right Smile

raingirl28's picture
Joined: 09/03/07
Posts: 1347

I wish I could help you there. In Canada that's one of our downfalls - we have provicial health care, but obviously fertility treatments aren't covered. However, because provincial health care covers most things, our insurance tends to be pretty basic. I've never heard of a Canadian health insurance company covering any fertility treatments ever.

I think though that the moving option might work if you could transfer/move to a state that has the coverage you want. I'm always up for moving but then again, I love living in new places!

WhiteWolf68's picture
Joined: 02/06/09
Posts: 505

We have full coverage and our insurance covered nearly all of IVF, however, there were things not covered and it still wound up being nearly $12,000. I wound up pregnant prior to that cycle but miscarried. Since then, I haven't gone back.

I wish you luck and a BFP before having to go down that road.... Dream big.

ChrissyD2103's picture
Joined: 10/09/07
Posts: 526

Rachael~ I too love new places I think I am part nomad Smile

Jennifer~If you don't mind me asking.....What was not covered??

FLSunshineMom's picture
Joined: 06/07/06
Posts: 3859

Have you checked to see if there are any special programs or grants you might be able to qualify for in your state? You can also try to raise the money through donations.

:goodluck: in whatever you decide. I agree with Jennifer, dream big! Smile

WhiteWolf68's picture
Joined: 02/06/09
Posts: 505

It's been about 2 years... I think it was the sperm collection with what they call "spinning the sperm" and then there was something else... I think it was some extra days after egg retrieval that had to do with extra genetic testing. So between those two fees, it was quickly adding up. Every place is different though, so some clinics may roll fees all together and not surprise you with "oh by the way..." like this place did to us.

Lizbet22's picture
Joined: 04/01/09
Posts: 2859

Over here you get the chance of having 3 free gos at IVF.
Depending on what area you live in or something.
I know our area was a good one when M and I were making enquiries.
I sometimes think the States have the right idea with paying for medical..but then I hear how much this sort of things cost and how it limits the normal Joe Blogs of the world and think how lucky we are.
Wish there was a way you could come here and get it.

I hope that the next 6 months bring you the special little bundle so all this is a irrelevant conversation.
Huge hugs hun.
xxxxxxxxxxxxxxxxxxxxxx

Joined: 07/26/04
Posts: 1595

I have no advise to offer. I have no idea even what my insurance covers. :confused:
I do hope they will do that for you because it would be awesome!!!!

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