So I'm starting into the process of my first IVF and I got to thinking about insurance. Ive read a ridiculous amount of posts on this forum and see that some people are paying totally out of pocket while others are fortunate to have insurance that covers all or part of the cost.
I got to searching the internet like a madwoman to see if I could somehow get insurance. I seen that FLEXCARE has insurance that covers IVF and/or Fertility Meds, but my personal concern is that I've had an etopic pregnancy in the past that removed one of my fallopian tubes, and they would label this a pre-exsisting condition and I wouldnt qualify. Im not sure that is the case but it is my concern.
So many hours later on google, I started wondering about employers offering medical benefits which helped with this costs. My Job offers coverage, but you basically almost need to work there for 10 years to qualify and Im not there yet ( I work for the provincial government, its sad really that not all employees get health insurance), I dont want to change careers just yet, and Im not so keen on waiting. But I am open to cutting my hours back a bit and taking a second job if it gets me to my goal of saving $thousands$ of dollars.
SO back around to the topic at hand, I was searching for jobs that offer this coverage. The easiest one ive come up with is ..... STARBUCKS. No I dont want to be serving coffee in my spare time, but it appears they offer coverage for the medication, and possibly for treatment, maybe not directly for ivf, but for all surronding medical tests. As well as up to $10,000 for adoption assistance. THe kicker is, you only have to work there part time to get the coverage, however it is employee paid. From what I read you have to be employeed there for 3 months. This is an option I might be willing to take. I can work there just a few hours a week and have my meds covered.
I also read that, FED EX, RBC, UNIVERSITY OF TORONTO, ACCENTURE, MOUNTAIN EQUIPMENT COMPANY and a few others also have coverage.
For me personally the idea that I can work part time has really moved me look more into starbucks. And its a very basica anyone can do it, entry level with minimal commitment type job. As I said Im not looking to change careers, quit my current job or go back to school to start a new one. It just seems like the least painful.
If you guys have coverage. Where do you work? Or do you know any other "entry" level type jobs that offer fertility coverage?