I'm new to this forum/site. My husband and I have been TTC for ~4 years now - I'm 30, he's 33, and we're both healthy, active people, experiencing unexplained infertility (I did get pregnant once, but had a missed miscarriage at around 8 weeks). In our second meeting with our RE here in Halifax, she suggested we look into either IUI or IVF as the next step, so we've got a lot of research to do!
I'd welcome any feedback related to IUI vs. IVF, but that's not my primary reason for posting here today (IUI vs IVF will really be a personal choice depending on our preferred level of control, spending, invasiveness, etc... but please, provide feedback/advice if you've got it!).
My main question relates to health insurance. My husband has insurance through his Union, but it doesn't cover any fertility drugs/treatment, and he has no option to increase coverage under his plan. I work for a tiny company that doesn't provide insurance, so I'm stuck looking at options for individual plans. In my research so far, I've found that many companies won't cover pre-existing conditions - which is fine for us, because our RE has said that she can't give us an infertility diagnosis, because we fall into the 'unexplained infertility' bubble. So that's fine - no pre-existing condition. BUT I've also seen some insurance providers state that they'll only cover procedures/treatments deemed 'medically necessary' - so who makes that judgement call? IVF in my case isn't medically necessary, unless I want to risk trying for another 4 years before I conceive! Other plans are very light on details, only informing you what coverage you would qualify for after you've bought the policy (how crooked does that sound??).
So I don't know what to do - anyone else have good advice for insurance policies that help cover some of this cost for unexplained infertility?? I'm still not convinced whether I'm going to do IUI or IVF, but the level of insurance coverage Is absolutely a big part of the decision making process and I'm finding I'm getting very vague answers from providers!
Wow this is overwhelming. So nice to be able to discuss this with all of you!