Infertility is a disease, but most insurance companies don't cover treatments like IVF 😣 Even if you live in a state that requires coverage, hassles & misinformation can lead to big bills for many women TTC. Here’s what you need to know.
After years of trying to have a baby without success, Brenna Kaminski and her husband, Joshua Pritt, decided to try in vitro fertilization.to cover fertility treatments, and Florida, where Kaminski and Pritt live, isn’t one of them. Still, the couple’s insurance, from Pritt’s job at an energy company, did — putting them among the fortunate minority of Americans whose insurance plan covers the pricey fertility procedure.
The couple paid about $2,700 out-of-pocket for the medicines alone. They also paid an additional $500 because the fertility clinic required them to use an out-of-network lab for blood tests.In November 2020, the couple decided to try again, with another fertility medical group listed in their Blue Cross provider network. It was in Winter Park, Florida, about an hour’s drive from their home.
But because her care was deemed out-of-network by Blue Cross, Kaminski said, she was billed more than $6,000 by the clinic and its surgery center. That was in addition to nearly $4,000 in out-of-pocket drug costs. In March 2021 — about a month after Kaminski completed her treatment — the Winter Park surgery center was added to Blue Cross’ provider network.
After Blue Cross decided to cover the IVF in Winter Park, the couple received $1,600 back from Orlando Avenue Surgery Center.
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