Insurance Questions---Federal Employee Health Benefits

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Insurance Questions---Federal Employee Health Benefits

Postby isuzyou » Tue Oct 14, 2014 10:50 am

Is anyone covered under an FEHB insurance plan? We are about to approach open enrollment and I am trying to make decisions about our insurance coverage. We currently have AETNA but are looking at Coventry and CareFirst Blue Choice...
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Re: Insurance Questions---Federal Employee Health Benefits

Postby Hmld7 » Thu Oct 16, 2014 5:41 pm

I work for the Veterans Health Administration, and have BCBS FEP. I've been very pleased with their coverage so far. PM me if you like!
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Re: Insurance Questions---Federal Employee Health Benefits

Postby heatherdyan » Mon Dec 01, 2014 8:42 am

Resurrecting this thread for the Federal Employee open enrollment season.

I'm in Maryland and currently have BC/BS, but it only covers diagnosis of infertility -- no IUI or IVF.

Aenta Open Access Basic seems to cover 50% of IUI and IVF as well as oral meds, so I'm considering switching for 2015.

Any FEDS out there with experience or advise??
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Re: Insurance Questions---Federal Employee Health Benefits

Postby kcgirl » Mon Dec 01, 2014 8:12 pm

I currently have Federal BC/BS and have considered switching since BC/BS doesn't seem to cover anything other than diagnosis but I am nervous about having to jump through too many hoops. I've been really happy with BC/BS for all issues aside from infertility. I'd love to hear if anyone has experience with the other plans. Thank you!!
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Re: Insurance Questions---Federal Employee Health Benefits

Postby heatherdyan » Tue Dec 02, 2014 5:51 am

kcgirl wrote:I currently have Federal BC/BS and have considered switching since BC/BS doesn't seem to cover anything other than diagnosis but I am nervous about having to jump through too many hoops. I've been really happy with BC/BS for all issues aside from infertility. I'd love to hear if anyone has experience with the other plans. Thank you!!


kcgirl -- if you don't mind me asking -- approximately how much did you have to pay out of pocket for your IUI? If you'd rather not share, no worries, I'm just trying to get an idea of expenses for 2015... Thanks!
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Re: Insurance Questions---Federal Employee Health Benefits

Postby kcgirl » Wed Dec 03, 2014 9:23 pm

I think it all depends on your location/clinic. I've heard of a variety of prices from other people. My actual IUI and prep of the sperm (washing) was $500. That didn't include the meds or the monitoring. Oral meds (femara) were really cheap and covered by insurance. Femara was $10/month, the trigger (Ovidrel) was $85 and the monitoring was $187/ultrasound. Last cycle, I needed 3 ultrasounds. So, the total for everything associated with the IUI was $1156. I'm really mad that BCBS doesn't cover any of this.

Part of me really wants to switch insurance but I'm nervous about having to start from the start... all the testing, etc. I'm also nervous that whatever new plan I choose, my RE won't be a preferred provider and I really love her. I'm really hoping that IUIs will do the trick for us and we won't have to think about having to pay for IVF. Good luck!!
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IUI #1 - #6 BFN
IVF #1: August 2015 (3 PGS tested embryos)
FET #1: October 2015
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Re: Insurance Questions---Federal Employee Health Benefits

Postby heatherdyan » Thu Dec 04, 2014 7:33 am

Thanks, kcgirl! I appreciate the information. I'm hesitant to change insurance, too, but also don't want to miss out on a plan that may cover more services. I'm still undecided. Will sit down with my DH this weekend and come to our final decision.

Good luck to you with the IUIs.
I'm hopeful that will be all we need to do, as well.
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Re: Insurance Questions---Federal Employee Health Benefits

Postby heatherdyan » Tue Dec 09, 2014 11:26 am

I ended up switching to AETNA. They were the only plan to pay anything for IVF (50%) and injectible meds (50%). I was just diagnosed with a blocked tube, so it's likely that is route we're headed. I hated having to switch, but it seemed like the best option, given our circumstances.
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