I’m about to start IVF and enrolling in PwC’s medical plan. I know PwC will cover IVF but I’m confused about how it works. I know there’s a lifetime limit but does PwC cover all expenses or do I still need to hit the deductible before they start paying? Just trying to figure out if I should pick the high deductible plan since other than IVF I won’t have a lot of medical needs and it’s cheaper or I should pick a low deductible to limit how much I’m paying towards IVF

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would like to know. I am starting my fertility journey starting from July

Had high deductible, but first round was about 11 k out of pocket after PwC insurance and fertility benefits (meds included). Other rounds were much cheaper, because deductible was met (all done within same fiscal year)

OP, thats what i heard from otters. Deductible need to be met

smart

I am HD and used pwc benefits. My oop was only my deductible and some extra $500 for a oon test. You must hit your OOP deductible before using the benefit, and please be aware that it is changing from WIN to Maeve in FY25, and Maeve reimburses you while WIN paid directly to the facility (I think this change is awful, tbh, not everyone has extra 50K available to pay and wait for reimbursement).
Remember also that LD does not allow HSA firm contribution.

Yeah, I had a call with Maeve and they informed me that. Awful.
The main change that I think is good is that now it it 50k total for both medical treatments and meds, it is not a 20k-30k split anymore.

Good to know! I saw the part about paying for medication and Maeve reimbursing (which seems better than when you had to coordinate with WIN) but missed about that also being the case for all benefits.

When I went through IVF, they said for egg freezing you have to pay and get reimbursed, for IVF it’s billed directly to insurance. I didn’t really need any approvals from WIN either. But a lot of costs were not covered by insurance, so ask your dr office to give you estimate before cycle.

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