Tuesday, October 30, 2007

Infertility coverage windfall.

I'm in complete and utter shock right now.

I've never had IF coverage and to be honest, I have been jealous as hell of anyone who did have it. Even a little overly jealous as I felt that the people with coverage weren't as vested in their treatments because they didn't have to pay out the ass for it. (I know, I know. It's horrible for me to think that and completely untrue to begin with)

Well, it looks as if ~I~ am going to be one of "those" people with coverage.

It's open enrollment time for both my husband and myself. I've always carried myself and the kids while he carried himself. This was because his coverage wasn't that great, but it was very cheap - which goes hand in hand, right? Anywho, he rarely goes to the doctor, so his insurance always worked fine for him. Pay nothing for nothing.

My insurance is pretty good in all the normal categories but it's pricey. IF isn't covered, but most other things always were, so not much to complain about.

Well, although he has the same job, his old company sold off part of the company to a new company. So it's a new job sort of. I just took a look at his insurance. It's quite possible the best insurance plan I've ever seen. Sure, it only covers 80% of most things, but the family out of pocket maximum is $2,500. After that is paid, everything is covered at 100%.

And the best part?

IF is covered. IUIs are covered. Up to (6) IVFs are covered. Injectibles and all drugs are covered. Holy mother of all that is good. It's covered.

Office visits are covered 100%. All else is covered 80% until that $2,500 maximum and then 100% is covered.

Oh. My. God.

I just called their benefits manager at corporate office to get the low down. I wanted to find out what the catch was. There is no catch. She said that it's also one of the best insurance plans she's seen in all her years working. Everything is covered. IF. Chiropractic. Allergy. I don't even use those last things, but it's covered. At 80% until $2,500 max and then it's 100%.

Wait. That's not the best part. The best part is the premium.

Are you ready for this?

$92 per paycheck. For an entire FAMILY. (I pay something like $300/paycheck for just me and kids).

What the hell? How is it that ~I~ am getting good news in relation to infertility? And for family expenses alone?

I'm shocked. I can't believe this.

12 comments:

JJ said...

Umm, WOW-will you adopt me into your family?! =) Thats great news! I wonder who this great provider is....
Fantastic!

Amanda said...

WOW!!! That is freakin' spectacular news!

I'm with JJ...wanna adopt? You could use a few daughters, right? ;-)

Kaci said...

That's great news Nancy! Of course I am "little miss hope you won't need the new coverage, that you'll have surgery & get pregnant right away", but that's ok, right? I'm allowed to hope for you? :)

Katarina Jelly Beana said...

That's A-FRACKIN-MAZING!!!

Bundle that up with the government Salary Strecher program and you are practically a Rockafeller!!

Anonymous said...

Hey nancy! That is great news..I'm so happy for you and tom! I know that probably lifts a big weight off your shoulders and takes alot of stress financially off of you guys! Thats GREAT news! I hope you have been doing good :)
-Morgan

jennifercarol said...

Hey...now I'm feeling a little jealous of you! But really, I'm glad to see you finally catch a break!

BethH6703 said...

Oh. My. God. is RIGHT! That's Freakin' AWESOME!!!!! WOOHOO for insurance that actually WORKS!!!

Now you're making me want to revisit our insurance plan, as I think it changed slightly since I was last at the RE. hmmmmmmmm

Poltzie said...

Ok I still think the health care in the US is CRAZY expensive compared to what I pay in Canada but that is WONDERFUL news :)
Now stop reading this and go get some IF treatments!!

Kim said...

That's so great!!

chicklet said...

That's awesome, congrats!

Holy, I didn't think there was opportunity for changing it - cool!

Chili said...

Holy moly that's freakin' fantastic!

jenn said...

holy cow!! How awesome for you!!!

I was excited to find out my truly crappy insurance at least covered testing- I can't imagine how finding this out must make you feel!!!