Quoting Dr.Clandestine:" <blockquote><b>Quoting justanothamotha:</b>" well smurf momma - I think I am outta any ... [snip!] ... than likely have a child in their arms that took little effort to be here on this earth, I have every right to feel that joy."

Even though a lot of things were covered fir us, weird random smurf wasn't & it adds up fast. One of Dh's blood tests wasn't covered (and funny enough i twas what gave us a diagnosis) and it was $1,500 by itself. And at that time I was paying for just us two, over $500a month for insurance, plus all my copays & 20% on the things that were covered.

<blockquote><b>Quoting justanothamotha:</b>" Even though a lot of things were covered fir us, weird random smurf wasn't & it adds up fast. One ... [snip!] ... I was paying for just us two, over $500a month for insurance, plus all my copays & 20% on the things that were covered."</blockquote>



I know it, my thyroid stuff alone is 150 a month.
We have spent close to 2k so far, no fertility stuff added in, when we TTC before we spent 700 a month for close to 2 years.

<blockquote><b>Quoting Let the rain fall:</b>" In your opinion should it be mandatory that all insurance companies cover fertility treatments?"</blockquote>




No. I do t believe businesses should be told by the government that anything is "mandatory." If their insurers medical board believes it should be covered for sound medical reasons, fine but it should be an option for companies. And, if a company wants to offer different levels of insurance, that's fine, too.

Insurance often covers procedures that aren't actually medically necessary. For example breast reconstruction after a woman has a mastectomy as well as other procedures to correct cosmetic issues from injury or from birth. Infertility very much interferes with quality of life for those women wanting to have children. We are biologically hardwired to reproduce and many, many women who cannot suffer debilitating depression as a result.

15 states are currently mandated for fertility coverage so it is not inconceivable for insurance to provide such a thing, nor does it cause premiums to become cost prohibitive. And it's not as though someone is paying an infertile to get pregnant, as insurance is most definitely not free. We pay $1,200 a month for ours (two people).

We have so far put about $40k into fertility treatments and will be adding close to $10k to that this year. I have a bunch of great embryos on ice but now I have to pay out of pocket for a surgery my insurance provider deems "for fertility" just so I won't miscarry my babies in the second trimester or have a micro preemie. Which is silly of them because the cost of two days in the NICU would pay for this surgery.

Quoting bbbt:" I have ovarian cysts too and I have never been told that I have a higher chance of getting ovarian cancer. 4/5 women have ovarian cysts, they just correct themselves every month during ovulation. "

Ovarian cysts are not the same thing as having PCOS, although they can be a symptom. There is currently a movement to chance the name of PCOS because it's so often confused with this. It's a general health issue and should be treated regardless of TTC status.

Quoting TheNuge:" <blockquote><b>Quoting Let the rain fall:</b>" In your opinion should it be mandatory ... [snip!] ... but it should be an option for companies. And, if a company wants to offer different levels of insurance, that's fine, too."

I agree with this. I think it's similar to the birth control issue--some companies/organizations are religiously opposed to IVF and birth control, so they should not be REQUIRED to offer that kind of coverage. I have no problem with it being offered, as long as it's not mandatory for those who are opposed to it.