Chefy and I have only a wee bit of medical insurance. The deductibles are high and the payments low. We jokingly refer to it as our "get run over by a bus" insurance. Now that we are officially going to start this whole baby-making venture, we've been throwing around different insurance scenarios. Our biggest question mark is the fact that we own our own business, which has only just turned two years old. We have a great State Farm agent who takes care of our "death by bus" health insurance, but I feel like if we went to her to get a more cohesive coverage, we'll pay through the roof.
I've also looked a little bit into small business owner insurance companies, but am totally overwhelmed (and not in a good way) by that route. Another approach we've discussed is going straight to the source. We've thought that asking the hospital where we want to have the baby and where the RE we want to use, which kind of coverage will be the best fit with their system. My question is, does anyone else out there own a business and have their own coverage? Has anyone else begun TTC w/o coverage and gotten coverage specifically for this crazy journey? I'm a bit in the woods as far as this goes....
12 years ago
Thanks for your comment! Welcome to the...batting cage, or something :) I don't know much about switching insurance, but I would definitely be careful to read the fine print about waiting periods and fertility coverage (and whether having a female partner qualifies as being infertile...and if so, is that a "pre-existing condition"?)
ReplyDeleteAaaahh...all good details to comb through. Thanks for the heads up!
ReplyDeleteI have insurance, but when I started TTC it did not cover fertility treatment. To qualify for treatment, my insurance company requires women under 35 to have tried to get pregant for 2 years, and women over 35 to have tried for one year. I think that a lot of insurance companies have similar policies. We paid out of pocket for a while and then got coverage when I was not pregnant after 6 attempts. It's a lot of money, but somehow we managed. I have no idea what it's like dealing with insurance as a small business owner, but fertility coverage tends to be pretty awful no matter where it's coming from. I have really good state employee insurance, and I still got the runaround from the insurance company.
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