So I have been worried about what is going to happen in September when dh quits his job to go back to school. Right now we have fertility coverage through his insurance at work. This is the only reason why we needed the insurance - dh and dd both have masshealth as secondary insurance and once I get my citizenship complete I will apply for masshealth as well. Unfortunately masshealth doesn't cover infertility so we are left trying to decide what to do in case we need to cycle again after the summer.
It sucks being IF that we even need to think about this and pay tons of money when we qualify for free insurance through the state.
So after much hunting I have discovered that most likely our insurance will end at the end of the month he quits. So if dh puts down a quit day of September 1 we may get the insurance until Septemeber 30. Well I told dh this yesterday and we got into a huge fight (the neighbors even called the cops) because dh wanted to leave mid August - not really for any reason - just wanted a 2-3 week break before starting school. I told him there is no way we can afford him taking half a month off (we already are going to be in the red in the summer because all our savings will be used up this spring). Anyways dh wasn't happy to hear this and though I understand how much he hates his job, if it wasn't for me helping him he wouldn't even be going back to school in September (he would still have loans in default and will be struck at his low paying job for life). I really wish he would think about me and dd instead of just only himself all the time.
Anyways, I told him that this won't be a problem if his school's plan will cover me and dd. I am not sure if it does or not. Under faqs it says to look at the school's insurance policy and it doesn't say anything about covering dependents, just how to get out of the student health insurance. I guess it isn't a question they get much since most students are young 20 somethings and don't have a wife and kid already, instead they are more likely to be a kid themselves and covered under their parent's plan.
Hopefully we can get some answers on this soon because this will be our cheapest option.
Other options I can look into is continuing his work insurance through COBRA, however this will probably be over $1000 a month since it is for all 3 of us. Not really worth it, but is cheaper than if we have to do ivf again. The good news about COBRA is that it does have 60 days to join so if I was pregnant by September we can hold off and then only sign up if I lose the pregnancy.
The other option is to buy private insurance just for myself since I am the only one who needs ivf. This will be around $500 a month and should cover ivf since we are in MA. Only issue with this besides the price is that there may be a 6-12 month waiting period and if they refuse previous conditions. Not sure if it is true for MA because of the infertility mandate but I know other places run into this problem with private insurance refusing to pay for ivf if they have already been diagnosised infertile before joining.
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