05/07/2026
I have not shared much about my fertility journey here because I’m still very much in it and I’m just not ready to share it all publicly yet. But... this one I had to share just in case anyone else is in a similar situation.
I did my research, looked through my plan options, talked with a broker, and decided on a health insurance plan with Harvard Pilgrim (HP) through the marketplace.
As we jumped through the insurance hoops to get our second egg harvesting procedure approved at the start of this year, we were told by our healthcare team that HP informed them we have a 2 cycle lifetime max. I thought, ideally this round will work and we won’t have to worry about it.
It didn’t.
Once I emerged from the grief of that, I had our team reach out to HP to confirm that we’d maxed out our benefit. HP couldn’t give the team an answer and said I needed to call... Sounded fishy to me!
The person I spoke with at HP said I had authorization for 4 egg harvesting procedures. I mentioned this differed from the 2 lifetime max that they had told my team earlier in the year and wanted to make sure we had all of the correct information.
I spent hours of time on hold as they talked with all their teams and after multiple phone calls, I received word that it was a 2 cycle lifetime max and no additional egg harvesting procedures would be covered.
But... while I was doing all of that waiting, I was also researching.
I came across the state of Maine Standards for Fertility Care which says insurance has to cover a minimum of 4 egg harvesting procedures. I called the number on the bottom of the document and spoke with an incredibly helpful human who confirmed they are required to cover 4 egg harvesting procedures. This person sent links to the standards that back up this and more, and sent me a link to file a complaint with the state if HP decides to deny the claim.
Continued in comments….