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Blue Cross Blue Shield: Best for choice of fertility doctors
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Editor's rating: 4.0 out of 5
Editor's rating
- Cost: $681/month
Most doctors and specialists take Blue Cross Blue Shield, which gives you more options when looking for a fertility specialist.
| Best plan: BlueCHiP Direct Advance 2300/4600 (Rhode Island) |
| Runner-up: BluePreferred Gold $1650 (Washington, D.C.) |
Pros:
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Most doctors take BCBS
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High member satisfaction
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Widely available
Cons:
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Can be more expensive than other companies
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Coverage and service depend on your local BCBS company
Blue Cross Blue Shield is one of the biggest and most widely accepted health insurance companies in the country. This means you'll have more options when it comes to choosing fertility clinics and doctors.
BCBS plans are also widely available, although fertility care isn't covered in every state.
Unfortunately, Blue Cross Blue Shield plans are more expensive than plans from many other companies. They also come with higher out-of-pocket maximums, which means you'll pay more each year before your plan covers the full cost of your health care. If you're willing to pay more for high-quality coverage, Blue Cross Blue Shield is a good choice.
On average, you'll pay up to $15,773 in a year when factoring in both the cost for the plan and your healthcare costs.
You pay | |
|---|---|
| Annual rate | $8,172 |
| Average out-of-pocket maximum | $7,601 |
| Total yearly health care costs |
$15,773
|
Average rates for a 40-year-old.
Overall, you'll pay more for fertility treatment with a BCBS plan, but you'll have the perk of choosing from a wider selection of doctors.
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