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Crap!! I feel like such an idiot!

tapgirltapgirl
in Infertility

I knew that our 15K lifetime coverage for IF was about up before we started this current cycle.  I called my ins. co. and found out we had just shy of 4K left.  I talked to the financial coordinator at the clinic and she estimated that we'd be paying them about 4K OOP.  BUT - she was doing that based on having that 4K from ins. - meaning we would pay what ins. didn't - after the clinic had adjusted for the allowed charges.

Well, that 4K didn't quiet cover all of the meds that were ordered, so now we're OOP for the ER, ET, and ICSI - almost 10K!!  We were not really prepared for this and I am not looking forward to telling DH tonight.

I'm sure you girls who are totally OOP want to slap me for complaining about this, but this is more than we were expecting.  Please don't flame me too much!

The irony is, I found out last week that my ins. is changing to a new carrier as of 7/1 and we'll have a new batch of money to work with - so if we had known that was coming we would have delayed a month. 

Sorry this is so long.  I think I need a drink to calm my nerves - if only I could!! Thanks for letting me vent!

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Re: Crap!! I feel like such an idiot!

  • GummybearGummybear

    Oh man that stinks! Isn't it so unfair (to OOP people) how much MORE they have to pay than the insurance companies?

    I am going to be in a similar sit. this fall. I have enought left for one full cycle but after that, we'll only have a a few thousand left, not enough to cover a full cycle, and with the PGD (which is OOP) I just can't justify trying again.

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  • k8enewlywedk8enewlywed
    Ugh insurances are so frustrating!
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  • yodasmistressyodasmistress member

    I won't flame you.  But I will say "Welcome to the club". 

    (That's the I-went-broke-BEFORE-I-had-a-baby Club.)

     
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  • Two*TrueTwo*True member
    That sucks!
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  • cadencaden member
    Ugh I'm sorry. If it makes you feel better I read my insurance rider wrong. I thought it said we got one free IVF, but really it said one free IUI. I think my mind just wanted to see the letters I-V-F so badly that I imagined it. I still feel like an idiot when I remember that!
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  • Temp616379875002458Temp616379875002458 member

    The costs of this process are truly ridiculous.   I live in a state that does not mandate IF coverage (I know few do.) We are still doing just IUIs and have just hit our first round of really expensive medication. . . my insurance company questioned it but bc I have a history of one MC, a lot of my stuff can be coded as relating to 'ovulatory dysfunction' so I feel lucky so far.   If we do go the route of IVF, I definitely plan to research supplemental insurance plans. .  I don't even know if that is a possibility.

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