[sarabarabobara]

I have heard that if you have an individual policy and you start fertility treatments you can be dropped by your insurance company and can be deemed uninsurable. Does anyone have experience with this? I am about to start fertility treatments and am a little freaked out. I'm mostly interested in experience with CA insurers.

[SchmennaLeigh]

Call your specific company and ask to speak to someone in a managerial role about this question. All different companies can do all kinds of different things, whether they seem really ethical or not.

[jenedens6102]

I was not dropped from my insurance but it was plainly stated that they would not cover fertility issues. Not the doctor, no testing, no medications, no treatments and procedures, etc. It all came out of pocket.

[Hopeful07]

Luckily I was double covered (not sure about CA). My 1st insurance only covers 50% of testing (i.e. HSG, ultrasounds, some medications) only from a doctor in their network. My DH insurance covers a lot of IF treatment. Not sure if they will cover IVF. We need to check on that.

[sarabarabobara]

Originally Posted by jenedens6102

I was not dropped from my insurance but it was plainly stated that they would not cover fertility issues. Not the doctor, no testing, no medications, no treatments and procedures, etc. It all came out of pocket.

Thanks for your response, jenedens6102! And congratulations on your pregnancy!

Can I ask if you were on an individual plan or a group plan when doing fertility treatment?

[sarabarabobara]

Originally Posted by SchmennaLeigh

Call your specific company and ask to speak to someone in a managerial role about this question. All different companies can do all kinds of different things, whether they seem really ethical or not.

Thanks, SchmennaLeigh. I think that is what I am going to have to do. I am kind of scared of calling my insurance company at all - alerting them to the fact that I might do fertility treatments. Maybe they wouldn't find out since I'm paying out of pocket.

[jencat215]

I would think that would be illegal to drop you because you are undergoing IF treatments, especially if you are paying out of pocket.

My insurance only covers diagnostics, not treatments. So, they can tell me that I am infertile and why, but they won't do anything about it. I wasn't dropped when we started doing IUIs...

[mdbrum16]

My insurance covers diagnostic only. I went through IVF and they even paid some of my blood work because my family Dr. ordered it for me.