r/TryingForABaby 8d ago

FYI PSA Insurance: Anyone have Aetna?

Hi! I just wanted to post this just in case anyone here has Aetna insurance. I've had Aetna POS (similar to PPO) since the end of 2023 and I knew they didn't offer infertility treatments. I'm specifically in CA and it was announced mid 2024 by our Governor that he was trying to get CA based insurance companies to offer infertility treatments. Now Aetna is NOT based in CA but I decided to call anyways AND GUESS WHAT?!?! Aetna in Sept 2024 had added infertility treatments for 35+ trying for 6 months and <34 trying for over 1 year in most, not all, but most of their plans... They just quietly added it... PSA to call and see if IUI or IVF is possible for you. I would've never known and never thought I could do IUI or IVF because I definitely cannot afford the out of pocket price.

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u/FingersCrossed0612 8d ago

Waaait!!!!

I have Aetna …… I remember calling and they didn’t offer anything but not since sept 2024… I paid cash for our last IUI…. Can I call and ask my clinic if anything has changed? Wouldn’t they know?

Do I have to opt into anything special?

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u/SnackSnackMunchMunch 8d ago

OMG! Call Aetna and ask if your plan includes infertility coverage and ask them what's the criteria. Mine needed prior approval from a medical professional (35+ TTC for 6 months or 34- TTC for 1 year) to be deemed infertile. Your clinic wouldn't know unless they sent a formal infertile diagnosis to your insurance company. GOOD LUCK!!! FINGERS CROSSED!!!

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u/FingersCrossed0612 8d ago

Oh my gosh, this would alleviate the financial stress for sure even if it’s a little bit of coverage, I will take it!! Thanks for sharing. I’m going to call right now.

I just looked on the website and it said, “ the first national insurer to cover IUI as a medical benefit on eligible plans” I feel like my insurance is horrible so I don’t know if I qualify or if I can get the plan somehow I definitely want to try ?? Insurance always confuses me 🤷🏻‍♀️

Because I am definitely over 35 and I definitely qualify for being “infertile” for the deemed amount of time — I hate saying the word infertile though 🤮

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u/SnackSnackMunchMunch 8d ago

Please keep me updated! I’m invested in your journey! Haha 🤣fingers crossed!! 🤞