RE wants me to do IUI. Have to go on a few different medications. Mendalls Pharmacy was who we were using. Until I got the phone call that Medco is refusing to pay for the medication. After 4 different reps they finally said "infertility medications are not covered under your plan." BCBS is our medical insurance and so far covered any procedure we have needed. I live in New Jersey and my employer has over 50 people. I am trying to understand the mandate in my state and it seems that some portion of medication should be covered. I called care mark which is a pharmacy through BCBS and explained to them my situation. Currently my claim is being evaluated and they are going to get back to me. Does anyone have any advice, links, or phone numbers that I could try? I wasn't anticipating this emotional roller coaster before the procedure. I appreciate any feed back. Thank you.
A little update on this is that since my employer has a separate plan for prescription medications and one for health insurance the NJ state mandate does not apply to them. I spoke to my hr person who said they do not offer fertility medications in the plan never have and never will there was nothing she could do. I went as high up as I could in bcbs and Medco. Medco still refuses to get back to me and bcbs said that because we don't have Caremark or prescription coverage through BCBS they can't help me. I didn't realize that working for a place with over 3,000 could come back to bite me so hard. I was also told that since this is "government" they can write up any rules to their plan. I can tell you that if one of the Freeholders had this happening to them I'm sure they would find a way to write it into the policy and have it covered. It annoys me but will not stop me from having a family one way or another. Starting a family is hard enough without the added pressure of trying to figure out where thousands of dollars is going to come from for fertility medications.
I am truly disappointed more and more with a place that strives to do good and be good for the people. When reality is they don't care because if they did I wouldn't need to keep dodging these hoops. It isn't enough that you want to constantly take things away from us but now you are going to try and stop me from having a family? I truly hope no loved you know has to go through this or if any of you decided to start a family that you aren't faced with this financial burden.
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