What To Do When Your Insurance Doesn’t Cover Infertility Treatments
Written by Arpee on October 11, 2008 – 8:35 am -Infertility treatments not covered by your insurance? There are many ways to get back at them. 
No, this post does not tell you how you can fund your Infertility Treatment. What it does tell you is how you can maximize the use of your insurance!
A Little Background…
Our health insurance provider is United Health Care (UHC) from DH’s job. It does have Infertility DIAGNOSIS coverage but does NOT have Infertility TREATMENT coverage.
UHC also offers discounted services through their Extra Benefits programs such as Parent Steps for Infertility Clinics. The good news is that CCRM is one of the included providers. The bad news DH’s big company has not availed of Parent Steps as an Extra Benefit.
Well, I was not going to stop there… I’ve spent almost $6K on medical expenses already this year, there must be something that the insurance company can do for me…
I have met my Deductible ($250) and Out-of-Pocket (OOP, $1500) max expenses for the year since as early as February. So, I called the insurance’s 1-800 number and found out that my co-pays count towards my OOP for the Chiropractor and for Acupuncture.
So that meant that once I have reached my OOP, I do not need to do co-pay anymore. That meant that for the rest of the year, I can go to the Chiropractor and the Acupuncturist for FREE!!! Woo hoo!
Well, at most 20 visits per year. But there is just about 10 more weeks until yearend, so I think the rest of the year is covered.
So, if you have met your Deductible and Out-of-Pocket expenses, go get yourself a Chiropractor and an Acupuncturist!
Tags: acupuncture, acupuncturist, chiropractor, co-pay, infertility diagnosis, infertility treatment, Insurance, insurance coverage, out-of-pocket
Posted in In Between Cycles, Insurance |
October 12th, 2008 at 5:26 pm
Are you using CCRM? How did you decide to go there? Are you out of state? If so, how is it working out?
(Just trying to decide when it’s time to go there….)
October 12th, 2008 at 7:28 pm
Hi April, I left you comment in your blog. But just the same, wanted to close the question in my blog too…
Yes, I am out of state (with respect to CCRM).
No, I have not decided whether to go to CCRM. My consult with them will still be next month. My decision making process is being captured in this blog…
Wish you clarity and wisdom on your decision making!
October 13th, 2008 at 5:33 am
Thanks for this post - we have United Health Care as well. I was thrilled when we found that they covered the diagnostic stuff, which for us ended up being about $1700 at CCRM. I expected nothing.
I’m going to look into the acupuncture thing…thanks again!
October 22nd, 2008 at 10:16 pm
[...] I mentioned in my previous post that the insurance’s 1-800 number said that since I have met my Out-of -Pocket m…. Well, the Chiropractor office asked me for a co-pay since their system showed that I still need to [...]