Sunday, July 25, 2010

I need to update...

...and I will... but not tonight.

I do have a question though... not sure if anyone knows the answer. My googling has been in vain.

When dealing with infertility coverage (which I know many people have NONE of) is it better to have a PPO or an HMO? I officially took a leave from work, which means I need to change to III's insurance. He has a PPO, but we have the choice between the two. If you are NOT in a state that mandates infertility coverage (boooooo that we're moving from one that DOES to one that DOESN'T), is one more likely to cover some of the expenses than the other?

Any info anyone has would be super helpful!!!!


irrationalexuberance said...

It actually has very little to do with "HMO vs PPO" and all to do with the specifics of your plan. As an example, I have an Aetna PPO that covers $30K of fertility treatments, but another Aetna PPO with another employer in my state might offer $0 coverage for the same stuff.

Recommend you talk to the plan administrators and get the numbers to call so you can ask the insurance company reps about what your specific plans cover (or don't).

Good luck!

Kakunaa said...

I have something that resembles a PPO...but it's a moot point. Call them, ask to speak with the department that handles reproductive services, and tell them the company it is through and get the skinny on all the benefits. You have every right to do that and I TOTALLY would! Good luck!

Lara (NoodleGirl) said...

Same advice as pp -- it depends but definitely call the clinic you'll be working with and find out the rules. I'm Harvard Pilgrim, and I know with the HMO I got alot more coverage because it was more subject to the state's rules than the PPO would have been.