Making the Insurance Decision

After looking at all of the financial options, you will need to finally pick an insurance carrier!  I've decided to compile a list of things you should ask and find out when choosing which carrier to go with.

1.  Are they in-network with your fertility clinic?  If you plan on keeping the insurance for a while, also make sure they are in-network with your OBGYN.
2. Are they in-network with the other "players" aka embryology lab, anesthesia, lab for bloodwork etc.
3. How much of the $15,000 will be used with one round of IVF?
4. Does the insurance offer additional money for medications?
5. Do they require pre-authorization for any procedures?
6. Do they require IUIs or other treatment prior to IVF?
7. Do they require you to fill your medications at a specific pharmacy?
8. What has your clinic's experience been when sending claims to the carrier?
9. Are you planning on using donor eggs/ sperm/ embryos or having genetic testing done?  Not all insurances cover these.
10. What is the cost per paycheck?  Do you plan on using your entire paycheck for insurance or do you want to have money left over?

As I think of more questions, I will try to add them on here!  Many of these topics are discussed in other posts in detail.