Well, it looks like we might be shit outta luck for IF coverage through work.
The PPO option at hubs' work is the only one that covers something for IF treatment - $10K for IUI. No drugs whatsoever. No IVF. Seriously?? How can you even spend $10K on IUIs alone? Isn't it usually between $300 and $800 per cycle, without drugs? Plus, that plan costs about $500 per month! Ouch! I might as well pay out of pocket.
Not a single one of the three options through my work covers IF treatments at all. Some have coverage for infertility testing and diagnosis though. What do you think about that? I honestly don't know what else I could be tested for. I'm sure there are many things, but I don't know what.
Does your insurance cover any IF testing and/or treatments? Any idea what I should look for in a plan? We're also looking into buying our own health insurance but I have a feeling that's going to be either really limited or really expensive.
This is no fun at all!