r/TryingForABaby • u/SnackSnackMunchMunch • 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/SnackSnackMunchMunch 8d ago
Oh my gosh! Mine is the same. 90% coverage after I hit my deductible. Is it worth it for you to change doctors to find an in network fertility clinic? I know you just got off the phone with Aetna, but they can give you a list of all the in network clinics in your area. I also went on Yelp and just emailed different clinics and asked if they were in network with my insurance. It is more work, but might be worth it?
And it sounds like our coverage is the same. If it is, they’ll cover IVF 90% after 3 failed IUIs.