Infertility state mandate and my insuran
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|Thu, 06-11-2009 - 12:02am|
I live in Arkansas and it has the mandate that insurance covers infertility treatment. I have Cigna health insurance fyi. My husband had severe varicocele, as well as underdeveloped testes and does not produce motile sperm and has extremely low counts. He had surgery for his varicocle and a biopsy done, biopsy came back not so good, urologist said IVF with ICI is our only option. We go to the RE, get set up to do IVF, we thought, hey we have a state mandate we are good to go. RE calls our insurance, they tell them no we still wont cover it. So I get on the phone with Cigna and they tell me that they wont cover it because the employer has to elect to cover it, but im like, yeah but my state has no exceptions except for one that does not apply here, and they give me the run around and I get no real answers. QUESTION: has anyone had this happen to them? IF SO, what did you do? Do I just let it slide? Do I fight it? Here is a link to the national infertility association mandate page for the states http://www.resolve.org/site/PageServer?pagename=lrn_ic_stintro#Arkansas
am I missing something? I do realize we will have to save up a bunch of money to fund it ourselves if the insurance wont help, but that is going to be awhile and we have already TTC for years and have dumped a bunch of money into testing, surgery, everything, im just frazzled. Sorry such a long rant, just looking for some light at the end of my tunnel.