Finally! A glimmer of hope!

terces · Apr 13th, 2012, 01:36 AM

I had talked to my insurance company previously and the guy I talked to said my insurance only covers medications for fertility problems. I then went to my Dr.'s office and was told by the receptionist that my insurance covers nothing. Apparently she "worked with it all the time." So, my OBGYN did what she could and when that didn't work. She said she would refer me to a specialist. Only problem was insurance. Well, I decided to try the insurance one more time! This time I talked to a women! She took the time really research my insurance and it turns out my insurance DOES cover treatments. In fact they cover 80% up to 5,000 after a $500 dollar deductible. Then, they cover an additional $5,000 for medications if needed! I was so excited I made my appointment that day for the specialist! The guys has a great track record for helping women get pregnant!

BearsMummy · Apr 13th, 2012, 05:47 AM

So pleased for you terces!!

Needababynow · Apr 13th, 2012, 10:10 AM

Quote:

Originally Posted by terces

I had talked to my insurance company previously and the guy I talked to said my insurance only covers medications for fertility problems. I then went to my Dr.'s office and was told by the receptionist that my insurance covers nothing. Apparently she "worked with it all the time." So, my OBGYN did what she could and when that didn't work. She said she would refer me to a specialist. Only problem was insurance. Well, I decided to try the insurance one more time! This time I talked to a women! She took the time really research my insurance and it turns out my insurance DOES cover treatments. In fact they cover 80% up to 5,000 after a $500 dollar deductible. Then, they cover an additional $5,000 for medications if needed! I was so excited I made my appointment that day for the specialist! The guys has a great track record for helping women get pregnant!

YAAYAYAYYAYAYAYY!!!! That gives me hope! I will be calling my insurance company today and hopefully get a woman this time too!

wonderstars · Apr 13th, 2012, 19:28 PM

That's more than a glimmer! Woohoo for you!

no_regrets_91 · Apr 14th, 2012, 00:01 AM

That is awesome! Do you mind me asking what insurance company you go through and any other info you have? We have coventry of iowa through my husbands work. It only covers testing.

terces · Apr 14th, 2012, 02:02 AM

Quote:

Originally Posted by no_regrets_91

That is awesome! Do you mind me asking what insurance company you go through and any other info you have? We have coventry of iowa through my husbands work. It only covers testing.

I have insurance through Blue Cross Blue Shield of Minnesota. I was originally told my insurance would cover testing only. I would ask about how the procedures are billed. I know that makes a difference on what an insurance company will pay. Also I don't know if it will apply, but insurance companies are contracted with some doctors and can only charge you the "contractual amount." For example I had a test done that was over 400 dollars, because my the Dr. was contracted with my insurance company I only paid 60 something. Even though they paid nothing for the test because I had not met my deductible at that time. Hope that helps you and good luck!

terces · Apr 14th, 2012, 02:03 AM

Quote:

Originally Posted by Needababynow

Quote:

Originally Posted by terces

I had talked to my insurance company previously and the guy I talked to said my insurance only covers medications for fertility problems. I then went to my Dr.'s office and was told by the receptionist that my insurance covers nothing. Apparently she "worked with it all the time." So, my OBGYN did what she could and when that didn't work. She said she would refer me to a specialist. Only problem was insurance. Well, I decided to try the insurance one more time! This time I talked to a women! She took the time really research my insurance and it turns out my insurance DOES cover treatments. In fact they cover 80% up to 5,000 after a $500 dollar deductible. Then, they cover an additional $5,000 for medications if needed! I was so excited I made my appointment that day for the specialist! The guys has a great track record for helping women get pregnant!

YAAYAYAYYAYAYAYY!!!! That gives me hope! I will be calling my insurance company today and hopefully get a woman this time too!

Hope you get good news!

Needababynow · Apr 14th, 2012, 06:51 AM

I called.... They ate going to look into it further and call me back! I'm hopeful.... FX

terces · Apr 16th, 2012, 11:41 AM

Quote:

Originally Posted by Needababynow

I called.... They ate going to look into it further and call me back! I'm hopeful.... FX

I hope it works out for you!

abrock · Apr 18th, 2012, 07:50 AM

That is great! Congrats! I have Blue Cross Blue Shield Illinois. I was told the same thing, testing is covered, but not treatment...I am definitely going to be checking again with insurance to verify.
I wish some people enjoyed their jobs just a little more or cared at all. I feel like everytime I call I am interfering with their day. lol.

Apr 13th, 2012, 01:36 AM	#1
terces Trying to conceive (TTC) Active BnB Member Join Date: Aug 2011 Location: Idaho, United States Posts: 309	Finally! A glimmer of hope! I had talked to my insurance company previously and the guy I talked to said my insurance only covers medications for fertility problems. I then went to my Dr.'s office and was told by the receptionist that my insurance covers nothing. Apparently she "worked with it all the time." So, my OBGYN did what she could and when that didn't work. She said she would refer me to a specialist. Only problem was insurance. Well, I decided to try the insurance one more time! This time I talked to a women! She took the time really research my insurance and it turns out my insurance DOES cover treatments. In fact they cover 80% up to 5,000 after a $500 dollar deductible. Then, they cover an additional $5,000 for medications if needed! I was so excited I made my appointment that day for the specialist! The guys has a great track record for helping women get pregnant!

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Apr 13th, 2012, 05:47 AM	#2
BearsMummy Trying to conceive (TTC) Active BnB Member Join Date: Jan 2011 Location: Berkshire UK Posts: 882	So pleased for you terces!!

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Apr 13th, 2012, 19:28 PM	#4
wonderstars Trying to conceive (TTC) Active BnB Member Join Date: Oct 2010 Location: Canada Posts: 554	That's more than a glimmer! Woohoo for you!

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Apr 14th, 2012, 00:01 AM	#5
no_regrets_91 Trying to conceive (TTC) Active BnB Member Join Date: May 2011 Location: Sioux City, IA Posts: 542	That is awesome! Do you mind me asking what insurance company you go through and any other info you have? We have coventry of iowa through my husbands work. It only covers testing.

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Apr 14th, 2012, 06:51 AM	#8
Needababynow Trying to conceive (TTC) Active BnB Member Join Date: Mar 2012 Location: Virginia, USA Posts: 179	I called.... They ate going to look into it further and call me back! I'm hopeful.... FX

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Apr 18th, 2012, 07:50 AM	#10
abrock Pregnant (Expecting) Active BnB Member Join Date: Feb 2012 Location: Illinois Posts: 35	That is great! Congrats! I have Blue Cross Blue Shield Illinois. I was told the same thing, testing is covered, but not treatment...I am definitely going to be checking again with insurance to verify. I wish some people enjoyed their jobs just a little more or cared at all. I feel like everytime I call I am interfering with their day. lol.

Status: Offline

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