Trying to Get Pregnant

F&^*# Me! Vent -- Includes F/U

I just got a call from my doctor's office. Come to find out my insurance company does not cover fertility treatments including the HSG test I had scheduled for tomorrow (which is $1,100 without insurance) or the monitoring on Clomid (I still have to find out how much that costs).

Here I thought I was moving ahead and had a plan. 

Re: F&^*# Me! Vent -- Includes F/U

  • Ugh, I'm so sorry.
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  • Sad

    Effing insurance. 

    Dear Bump: You suck.
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  • Oh No! I'm so sorry. You must be so dissapointed.

  • That SUCKS, darling!

    I'm so sorry!!

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  • I see the Dr thursday, and I am wondering how much my ins. covers.  Hopefully, if the Dr draws blood (which is the most I expect him to do) that is at least covered...I hate that ins. doesn't at least cover the testing sometimes, ugh.  Sorry.
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  • Want me to go beat up your insurance company?
  • That sucks. Im sorry. They don't cover a percentage at all??
  • oh gosh that sucks. Im so sorry to hear that.?
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  • yikes - that stinks. I am so sorry. :(
  • imagemymee:
    Want me to go beat up your insurance company?
    Yes please!
  • Oh yah, it gets so expensive. I CANNOT believe what insurance companies do cover and what they don't cover. It is really bad. I paid OOP for $500 of HSG and all monitoring($420 for each visit) for 1 cycle of clomid.?

    I can't wait to see what the injectable cycle will cost. Ugh. Hang in there:)?

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  • I am sorry.  Will it cover diagnostic stuff? Ours does not cover IF treatment but it covers test used for the diagnosis of IF (like an HSG).
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  • FFS.  Sorry babe....ugh ugh ugh ugh.

     

     

     

     

  • eek. That sucks. So sorry. Super Angry
  • Can your Dr's office get create with the coding so they do cover it?  I think I've heard of other ladies doing this?
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  • imageMelaina25:
    Can your Dr's office get create with the coding so they do cover it?  I think I've heard of other ladies doing this?
    You can do that? That would be awesome if she could.
  • I'm so sorry Savat. I know you've been having a hard time lately and you really didn't need that from your insurance. I really hope everything works out and that all of the struggle is worth it when you get your BFP.

    You have my email if you want to talk. GL!

  • OMG That sucks! As Melaina said, is there any way your dr's office can find a loop hole to it?
  • I'm sorry hon! Maybe you can talk them in to giving you a discount or find a place that will, good luck!

  • Sad That is so expensive!  Can you use your HSA?
  • That sucks. So are you still going forward with the HSG tomorrow?
  • OK, I'm making progress here. I just got off the phone with the insurance company. They say they do cover diagnosis but not treatment, which means they should cover the HSG test. I have yet another call into my dr to see if there was a mistake made on their part. The lady who helped me said that they could have entered it in wrong since they also entered a diagnosis of LPD yesterday for the Clomid prescriptions.

    Geez this is complicated!

  • At least the news is good so I hope it keeps on this track and you can at least go forward with tomorrow!
  • At least that's progress. My insurance doesn't cover treatment either which sucks but they do cover the HSG like yours. Hopefully they messed up and you can get everything worked out soon. GL 
  • hjk5000hjk5000 member
    Uhg, I'm sorry.  Defiantly try asking your Dr's office if there is any way around it!
    PCOS Dx 12.08 / BFP! 4.22.10 DS1 born 1.4.11 DS2 born 6.19.13
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  • imagesoftskate31:

    I can undersatnd why the insurance companies do this.  We'd all complain if our premiums were higher b/c infertility treatment was covered for people.  It would be a rip-off for the "fertile myrtles" out there.  Huh?

     

    Um, what? Do you blame all those mean people with cancer for diving up your premiums? I really, really hope I'm reading this wrong and you're being sarcastic.

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  • imagefloridakat:
    imagesoftskate31:

    I can undersatnd why the insurance companies do this.  We'd all complain if our premiums were higher b/c infertility treatment was covered for people.  It would be a rip-off for the "fertile myrtles" out there.  Huh?

     

    Um, what? Do you blame all those mean people with cancer for diving up your premiums? I really, really hope I'm reading this wrong and you're being sarcastic.

    I'm glad I'm not the only one who that response didn't sit well with.
  • Yuck..that sucks.  Hopefully you can make headway with your Dr and find out what they did wrong.  We're 100% OOP - nothing is covered.  We thought diagnostic testing was but apparently because of what my Dr. codes the dgx as, they wont even look at it.  Fortunatley the clinic I go to is helping me fight the battle with appeals and such but it looks like we're out about 1200 just for the diagnostic stuff plus 1600 for the IUI.

     I know that's a piddly amt when you compare it to IVF'r that are OOP but that's still more than what we'd planned on.

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