Re: Pregnancy costs?
Insurance coverage for fertility varies quite a bit. If you do have to pay out of pocket, it is REALLY expensive. The procedures don't cost as much as the drugs. My employer's insurance covers $25,000 for procedures but only $10,000 for the drugs. That 10K doesn't go very far, trust me.
Here are some tips:
1. At the fertility clinic, make sure the first one or two exams are coded as regular ob/gyn exams. That way you can delay the hit on the fertility procedure coverage as long as possible.
2. If your employer offers multiple insurance plans -- for example, a Blue Cross plan, a Cigna plan and an Aetna plan, switch plans at your open enrollment to reset the limit.
3. If you must pay out of pocket, check out freedomdrug.com. Very reasonably priced. After paying 2 rounds of treatments, you're eligible for the 3rd round to be free. Give them a call for details.
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