Company: J-P-Morgan
Date: 2018-03-06
Overall rating: 2/5
Employment status: current
Experience level: Junior

Insurance is a scam here
Pros: 1. Free health check ups and monitoring. 
2. You will be alive at but broke if you ever get sick.
Cons: 1. 1700 dollars copay + 1600 dollars OOP per person of the family. 
2. We did IFV, That's when I found out the loopholes. they will pay 80% of most procedures (NOT ALL) with restrictions on number of embryos, after your deductible and OOP is met. They will give you 10000 dollars lifetime amount for your IVF meds, BUT you will have to get it trough their contracted specialty pharmacy, where the price of the meds are astronomically insane (same med cost 200 dollars in India, 1200 in Fertility pharmacy, will cost 4800 dollars from Specialty pharmacy).  So, how far the 10k runs for your coverage? Yes, you wind up paying for your meds.
3. At the end the cost of IVF without insurance and with insurance, the difference is 0 dollars. (Trust me I have done it both)