Folks, I received a letter from insurance denying IVF coverage. I am 37, had a miscarriage in March and have not been able to conceive since. I am absolutely distraught and broken. Has this happened to someone, will reappealing this decision help. Any advice or guidance will be appreciated as I wait to hear from my doctor's office. 😭🙏

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I’m so sorry you’re going through this. Infertility is hard enough without insurance making things harder. Without knowing more about your insurance plan and background it’s hard to say what you can do. Couple questions:

- what had your experience been before trying IVF? Some plans will require a certain number of cycles of IUI before approving IVF
- have you talked to HR? They may be able to point you to a better policy, or in my case, my HR rep would directly contact the insurer to make my case and sometimes that would change things (I got medication cost reduced from $4K to $200 out of pocket after HR talked to insurance because sometimes they get things wrong)
- did you check if your clinic is in network?

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Agree, even my HR made things better for me when I shared my situation by directly talking to the insurer.

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