Posted August 20, 2010 at 3:19 PM by Lorraine

Unfortunately, AETNA does not cover anyone over 44 years of age. However, when I began this journey I was 44 years old. And, then suddenly on my 45 birthday, I was told that I was not covered, even after being assured that there was NO age limit. AETNA was a big disappointment. I believe those employees of AETNA are heartless.
It was a heartbreaking experience for me.

Posted July 14, 2010 at 9:54 PM by sharon

Horizon Blue Cross Blue Shield has covered every single thing. Nj has state mandates, and it really helps. My insurance also pays for DE and Surrogacy, just not the fee to the donor or surrogate.

Posted July 14, 2010 at 9:13 PM by Emily

Thanks for sharing that info from Rhode Island, Kelly, from a fellow Rhode Islander. Apparently there is a state legislator trying to change this state law. I would be curious to know if there are other states that have mandates that prohibit an unmarried person from receiving insurance coverage for infertility.

Posted July 14, 2010 at 8:23 PM by erin s

United Healtcare had average coverage for me. They covered 5k max for lifetime, but had good discounts for using docs in their network. They covered all diagnostics (ultrasound, fertility testing, blood work, etc) and that didn't seem to count against my 5k. That part was a welcomed surprise. IUI not covered nor was sp&m.

Posted July 2, 2010 at 11:31 AM by Jamie Kelley

BCBS of Kansas will not cover ANY fertility treatments period.

Posted June 30, 2010 at 1:46 PM by LeslieC

I had BCBS of IL and had great coverage - was never questioned about being single. They even covered some immunology tests that my doc said many ins cos don't cover. I did three IUIs and attempted two IVFs - no takers, moved to donor egg and my egg retrieval from the donor and transfer to me were covered by BCBS.

Posted June 30, 2010 at 1:28 PM by Laurie

My insurance company has been very generous. No one questioned my single status. I use Meritain/Encore. So far they have covered all ultrasounds, bloodwork, and my injectable medications. The only things they would not cover was the actual IUI procedure and the cost of the donor sperm. For one cycle of IUI I have paid the following:
$770-back to back IUI's
$780-2 vials of unwashed donor sperm
$70-Co-pay for 2 Gonal-F pens and 2 ovidrel syringes.
Total= $1,620

Posted June 30, 2010 at 12:21 PM by Kelly

Blue Cross Blue Shield of RI will NOT cover any infertility expense if you are not married. But, realize that RI law has mandated that insurance companies offer infertility coverage, BUT, DEFINES INFERTILITY as a condition ONLY EFFECTING MARRIED INDIVIDUALS. It has also been clarified that "marriage" in RI refers to a *heterosexual* marriage.

R.I. Gen. Laws § 27-18-30, § 27-19-23, § 27-20-20 and § 27-41-33 (1989, 2007)require any contract, plan or policy of health insurance (individual and group), nonprofit hospital service, nonprofit medical service and health maintenance organization to provide coverage for medically necessary expenses for the diagnosis and treatment of infertility. The law clarifies that the co-payments for infertility services not exceed 20 percent. <b>Infertility is defined as the condition of an otherwise healthy married individual who is unable to conceive or produce conception during a period of one year.</b> Rhode Island includes IVF coverage. Amended in 2007 to increase the age of coverage for infertility from forty (40) to forty-two (42) and redefines infertility to mean a woman who is unable to sustain pregnancy during a period of one year (2007 R.I. Pub. Laws, Chap. 411, SB 453).

See also this article http://www.rscnewengland.com/news/gayivf-news/governors-veto.html on the recent veto to expand the definition of marriage as it applies to health care and infertility.