I’m starting the IVF process and planning to do my first egg retrieval in early June. I’m hoping to do back-to-back retrievals due to my age and hoping to have at least a few healthy embryos before we try our first transfer. I have Anthem BCBS has anyone done this and has insurance/fertility benefits covered it? Thanks!

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I had a similar plan. I had to pay for the second round out of pocket because I hit the lifetime insurance max after the first round. It was frustrating, but worth it to get the extra embryos because it didn’t work right away. I’m now 8 months pregnant and only have embryos from the second round left should we try again!

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Ah ok good to know and congratulations on your baby!

It’s more based on your employer vs the insurance carrier. Some require rounds of iui first before so look into that so you don’t waste extra time.

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Yes, Deloitte BCBS covers fertility treatment including egg retreival and IVF procedure upto $25000. This does not include genetic testing and egg freezing and storage. By the current cost of IVF, it should probably be able to cover upto 2 cycles.

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Awesome thank you!

You wont do back to back cycles bc your doctor will insist yiu take a month off to avoid ovarian hyperstimukation and results are better if you do.

Some insurance will not cover a second cycle if you have at least one genetically normal embryo from the first cycle. Check this.

Two cycles with testing and drugs were closer to 42K for me in SF with a bundl package. IVF may be cheaper where you are.

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Good to know and they did mention taking a cycle off in between which definitely makes sense, thank you.

I called and talked to the financial advisor at my IVF location and they did say Anthem did not put any stipulations on back-to-back retrievals (taking a cycle off in b/w) regardless of obtaining viable/healthy embryos so fingers crossed that is truly the case.

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Im still not fulky understandingwhy you don't want to take a month off when it is both less dangerous and clinically more advantageous to do so.

IVF is hard on your body. You need time!

Listen to your doctors!

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If you’re in NY the nominee is required to cover three cycles but not sure if Anthem allows you to “bank” embryos if you get any genetically good ones on first retrieval

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