{ "media_type": "text", "post_content": "Starting my first IVF and have so many insurance questions that I’m struggling to get answered. I have coverage through Deloitte (Aetna, $25K lifetime cap). So far I have had 3 IUIs but when I called Aetna to see how much of the $25K I’ve used they said I had only used $400 and had claims from my first to IUI sessions. Can this be true? Is the negotiated rate between my provider and insurance really that low? Anyone at Deloitte have experience with this?", "post_id": "62571eaa5de66d002f5577af", "reply_count": 5, "vote_count": 1, "bowl_id": "5adbdacf814eb200185465b5", "bowl_name": "Fertility Bowl", "feed_type": "bowl" }

Starting my first IVF and have so many insurance questions that I’m struggling to get answered. I have coverage through Deloitte (Aetna, $25K lifetime cap). So far I have had 3 IUIs but when I called Aetna to see how much of the $25K I’ve used they said I had only used $400 and had claims from my first to IUI sessions. Can this be true? Is the negotiated rate between my provider and insurance really that low? Anyone at Deloitte have experience with this?

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The ultrasound monitoring sessions are coded to general medical, not fertility, therefore not taking up that cap. Only the procedures like egg retrieval, ICSI, transfer were coded as fertility for me.


Not from Deloitte but you should have a the claims on your insurance website that shows the negotiated rate.

IVF is really where you’re gonna start using your benefits. You’re gonna want to ask if the fertility prescriptions and procedures are part of the same max. Depending on how much you need, the prescriptions are going to be a good chunk of that max

Good luck ✨🤍

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