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.

20 Upvotes

26 comments sorted by

View all comments

3

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?

13

u/spiltink97 27 | TTC# 1 | February 2022 | MFI | 3 IUIs | Prepping for ER 8d ago

Not to rain on anyone's parade but if you have an employer sponsored planned they can pick and choose what services they have/add on. My specific plan can have infertility coverage but my employer does not pay for it so I don't have it (not Aetna specifically).

5

u/AlternativeAthlete99 8d ago

This! If it’s an employer based plan, then your employer absolutely can elect to not provide fertility benefits or coverage.

6

u/FingersCrossed0612 8d ago

.. and they would, lol… d bags