DE and Insurance

[Ashburn]

Has anyone had experience using donor eggs while using insurance to cover the rest of the IVF process? Did you have a lot of hurdles for them to approve/pay for anything? (Meds/transfer/etc)

I see many posts discussing the cost of using donor egg but is seems the majority is out of pocket expenses. Only wondering what the average cost would be for just the eggs themselves and not the rest of the procedures if you're covered by insurance. We had completed 1 failed IUI and were told the RE would only do IVF and I have severely low AMH 0.04. So with 3 IVF attempts left under insurance I am trying to see what our out of pocket could be for using donor eggs. Thanks in advance!!

[trytobearunner34]

We were all out of pocket so take this with a grain of salt.

We used frozen de eggs from a bank on the west coast and they were shipped to our re on the east coast. Our re charged us for monitoring and transfer. I suspect that if your insurance covers IVF they would cover the monitoring and transfer, meds, and other IVF related costs minus the cost of donor eggs.

[dream2be3]

***grad lurking***
My insurance did not cover our frozen donor eggs. My policy had a completely separate deductible for infertility coverage and a lifetime max of $20000. The one thing I didn't realize, although I probably should've, is that the fertility part of my insurance stopped as soon as I had a positive pregnancy test. I hadn't yet met my regular deductible so we paid more out of pocket then we had planned for. The overall cost varies so widely across the states it would be hard to give you a $ amount unless there's someone close to your same area that that could comment here.

[brinky]

***grad lurker***

For our DE cycle we used an in-house donor pool at our clinic (so no agency fees) and had full coverage for IVF and DE.

That said, our out of pocket costs were: 
-the donor's comp $8,000
-clinic management fee $5,000
-matching fee $1,000
-donor meds $400 (after insurance)
-my meds $150 (after insurance)
-copays for donor monitor appts/transfer/ultrasounds etc.