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Trying since long:US insurance policies
2005-06-30
Name: AIAN



hi,
I am a 31 year old woman, currently based in Mumbai, India. We are planning to move to the US (in the next couple of months) since my husband has a job opportunity there.
Some history --
We have been trying for a baby for the last 8 months, and have been undergoing follicle scans in mumbai. I have had surgery for fibroid removal ~ 2 years ago, and also had a laproscopy done to check my tubes about 4 months ago. The laproscopy indicated one blocked tube which was opened during the procedure. In the eight follicle scans that i have undergone, only 3 resulted in a ruptured follicle, others were cystic follicles. The doctor says that its possible (although not necessarily) that my the blocked tube has got blocked again. We may try an IVF soon.
My questions:
1) If I do get pregnant (*hope*) before our move to the US, will I be covered for insurance through my husband's med insurance policy? Or will there be an issue since I am already pregnant?
2) What kind of coverages/costs could fertility treatments like IVF incur?

Appreciate any advice based on experience, hearsay from friends/family in the US ..
thanks
AIAN


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2005-07-01
#1
Anonymous Name: ritul
Subject:  insurance



hi aian,
1)u will be covered by the insurance because spouse will be included in the policy.u being already pregnant or not does not matter.
2)i am not sure abt the cost of ivf etc but there r several insurance policies like cobra,aetna,bluecross,nba,etc.
now u can check what each policy covers and then decide which one u want to choose.however i guess pregnancy is covered by almost all the policies.but u will have to check whether it covers the full cost or some part of it like 50% or so.
hope this helps
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2005-07-01
#2
Anonymous Name: aian
Subject:  hi



Ritul,
thx for the reply.
aian.
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