Yesterday was my meeting with HR about my request for our insurance to cover IVF. I came prepared with a sheet of facts about how IVF coverage doesn’t necessarily increase costs as well as a study about how coverage effects employee satisfaction. I was hoping he’d drive the conversation as I wasn’t really sure what he was expecting from me. Luckily, he did.
He started out by telling me what we do cover (in regards to infertility) as well as how the process works for things that aren’t covered. Basically every year HR makes a list of the most request items as well the cost impact. They then present this list to the board and based on what they had for breakfast that morning what seems most compelling, they make a decision. So, IVF/IUI coverage will be added to this list this year.
He mentioned that he had his benefits coordinator look into the amount of requests and the amount currently spent on infertility, and I got the feeling she didn’t think it was a remote possibility. He said something about a hidden cost of covering infertility to be an increase in premature births, which he said are some of the highest claims they see. Typically I’m terrible on the spot, but this time I pulled through! I remembered reading a stat about how in Massachusetts (where IVF coverage is mandated) the multiple birth rate is actually lower than everywhere else. So I mentioned this and said that for me, since I am paying out of pocket (and therefore have a limited amount of cycles) I am MUCH more likely to throw caution to the wind and put in 3 embryos versus 1 or 2. You could tell that got his wheels spinning, he even wrote it down!
He never gave me a company credit card with an IVF seal of approval, so husband was disappointed. But all in all, I thought it went well. Honestly I don’t have high hopes that my company will cover IVF in the near future, but at least I tried. He did say he appreciated me letting them know versus just complaining about it, and that he wished more people would do the same. I did tell him I appreciated that they at least cover the drugs, because it is a big help and I’d hate to lose that coverage.
Now to work on my letter to the Pope (my Catholic church post rant is coming, I promise!).