Hi All,
For various reasons my wife’s fertility specialist has recommend we pursue IVF. Currently we are both covered with Kaiser in CA through my wife’s employer. Unfortunately, our Kaiser plan does not cover IVF. IVF coverage in CA seems quite rare but I did a little sleuthing and fortunately the Cigna plan offered through my employer does cover IVF up to a 25k lifetime maximum.
Since my wife’s coverage through Kaiser is free for her (she pays only to add me) and she likes her current ob-gyn we are considering double covering her. The plan would be that she keeps Kaiser as her primary insurance and I will insure myself and her with my employers Cigna plan for 2022 to utilize the IVF benefit. Based on a quick googling it looks like this should be possible, but having dealt insurance companies before I know there’s a chance I’m overlooking something.
Does anyone foresee any potential pitfalls with this plan?
Will we have difficulty getting her secondary insurance (cigna) to cover something not covered by Kaiser?
I’m only familiar with Kaiser my whole life so I’m not sure how PPOs work. Will we need a cigna approved doctor to provide a referral for IVF?
Are there any questions we need to be asking or employers or kaiser/cigna before we pursue this?
Thanks!
submitted by /u/pumpkin1986
[link] [comments]
Hi All, For various reasons my wife’s fertility specialist has recommend we pursue IVF. Currently we are both covered with Kaiser in CA through my wife’s employer. Unfortunately, our Kaiser plan does not cover IVF. IVF coverage in CA seems quite rare but I did a little sleuthing and fortunately the Cigna plan offered through my employer does cover IVF up to a 25k lifetime maximum. Since my wife’s coverage through Kaiser is free for her (she pays only to add me) and she likes her current ob-gyn we are considering double covering her. The plan would be that she keeps Kaiser as her primary insurance and I will insure myself and her with my employers Cigna plan for 2022 to utilize the IVF benefit. Based on a quick googling it looks like this should be possible, but having dealt insurance companies before I know there’s a chance I’m overlooking something. Does anyone foresee any potential pitfalls with this plan? Will we have difficulty getting her secondary insurance (cigna) to cover something not covered by Kaiser? I’m only familiar with Kaiser my whole life so I’m not sure how PPOs work. Will we need a cigna approved doctor to provide a referral for IVF? Are there any questions we need to be asking or employers or kaiser/cigna before we pursue this? Thanks!
submitted by /u/pumpkin1986 [link] [comments]Read Morer/HealthInsurance