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It's open enrollment time!

Open enrollment is the period of time each year when people can enroll in or make changes to their health insurance plan. The dates for open enrollment this year are November 1 - December 15, 2021. Be sure to confirm with your employer - some companies have different cutoff dates for this period.

Outside of the open enrollment period, you can typically only make changes to your insurance if you qualify for a Special Enrollment Period.

Whether you're making changes to your existing insurance coverage, choosing a new insurance plan, switching insurance providers, or simply wanting to make sure you're getting the best fertility coverage, now is the time to act.

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Download Your FREE Guide to Insurance & Fertility Treatment

Open Enrollment Basics

What is open enrollment?

This is the time of year where you can enroll, change, or drop your health insurance plan.

When does open enrollment occur?

Typically, open enrollment happens between November 1 - December 15 each year.

Who is eligible for open enrollment?

Everyone! Doesn't matter if it’s Medicare, employer-based, or a health marketplace plan.

Will my insurance cover fertility treatment?

Live in CT or NY?

There are infertility mandates in place to ensure coverage.

What if my insurance doesn't cover fertility treatment?

Using FSA to Pay for Treatment

What is the difference between a Flexible Spending Account (FSA) and a Health Savings Account (HSA)? These accounts are both tax-advantaged funds that you can use on qualified medical expenses (which is a long list!). There are some key differences, which we've listed below.

The deadline to use FSA cash is 12/15/2021. On this date (or after an employer-granted grace period), you will lose any money leftover in the account. Using up the funds in your FSA account on qualified medical expenses by this date ensures that you will not miss out on any hard-earned cash. Plus, if your employer adds to the account (and many do!), you could be forfeiting free money.

There are many other specifics about the two accounts that we encourage yeou to read up on here, and it’s always good to read the fine print for your spending or savings account fund - so you know exactly what’s covered.

FSA v. HSA | What's The Difference?

Flexible Spending Account (FSA)

  • Created through your employer.
  • Can be used with any health insurance.
  • Funded by your pre-tax dollars, and sometimes, an employer contribution.
  • Use it or lose it

Health Savings Account (HSA)

  • Employer-based or started by you
  • Must be linked to a high deductible health plan (HDHP)
  • If employer-based, you can use pre-tax dollars, otherwise, for an individual account, you will fund after taxes.
  • Money rolls over at year-end.

LGBTQ+ Families & Fertility Coverage

Unfortunately, for many LGBTQ+ singles and couples, family bScreen Shot 2017-06-16 at 4.23.39 PMuilding and fertility costs are not covered by insurance. While we and our fellow fertility advocates work to change this, there are some ways that you can help yourself make the most of your coverage.

Check out the short list of questions below to ask your employer or insurance provider about your current coverage, or head to this blog for more tips to be your own insurance advocate.

Is there a fertility benefit offered at this company? If yes, what treatments and testing are covered? Does this benefit apply to all employees equally? 

Are there in-network fertility clinics to choose from?

Are reimbursements offered to all employees for procedures that are not covered by insurance - like IUI or surrogacy?

Are there any exclusions to our fertility/family-building policies? If your current insurance policy doesn’t seem like it’s going to be much help, open enrollment can be the time to make a change. Ask if your employer offers any additional third party programs to help with family building costs, or investigate some on your own.

You can also use the time after you’ve met your deductible (typically the end of the year) to make the most of your current coverage. While your entire treatment may not be covered, a consultation, baseline fertility testing, and even genetic screening may be covered by insurance. Learn more of what you need to know about fertility costs and coverage here.

Nest Egg Foundation Grants Up To $10,000

One way to help pay for fertility treatment is with grants. The Nest Egg Foundation is a Connecticut-based tax exempt 501(c)(3) not for profit organization founded in 2015, providing  financial grants up to $10,000 for IVF treatment to those who have been unable to start their families due to financial need. Nest Egg Foundation is a collaborative effort between medical and financial professionals, attorneys and others. The Nest Egg Foundation aims to give an opportunity to those struggling with infertility via education and access to treatment.

Find out if you qualify for a Nest Egg Foundation grant here.

Download our free ebook today.

We cover fertility financing options, understanding your policy, and more!