Need information abt bluecross insurance

rashy · Dec 28, 2007

Hey gals,

I need some information about the bluecross insurance. The co-payment is 40$ (which is very high compared to other insurance companies). We are planning to have a baby and my current gynecologist suggested me to see a infertility specialist. The problem is my insurance covers upto 2000$ only for infertility treatment and i am told that the treatment will cost more than 5000.

So my question is anybody has the bluecross insurance? Is there any other options to minimize the cost which i hv to pay out of my pocket.

thanks...
Rashy

Ria2006 · Dec 28, 2007

I also have blue cross insurance. Its not insurance specific, its what kind of coverage your employer has procured for you. For me, insurance covers 100% of everything...
However in your case, you can think of putting rest of 3000$ in Flexible spending account (FSA).. This money comes from your salary only. But its pre-tax, hence you will have 33% benefit.

Hope this helps.
ria

Shobanag · Dec 28, 2007

What Ria has said is correct - health insurance depends on the plan your employer has provided - there are some where you have a copay or you may have a deductible. If you are putting money in the flex spending plan, hope you have already done it - the deadline for 2008 is typically Dec of the previous year. Our deadline was last week. Many insurance plans dont cover fertility treatment at all - if yours is covering to some extent, that is pretty good. The reality is health insurance costs are sky rocketing and employers are cutting back.

rashy · Dec 28, 2007

Hi Ria and Shobana,

Thanks for replying to my post. I really appreciate your help. As you guys told we have already enrolled to FSA.

I agree with you shobana....the cost for the treatment is not at all reachable. So lets see how it works.

bye
Rashy