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Infertility
insurance running out...WWYD
I have four months left of coverage for IF treatments on my insurance. I realize that we have been blessed so far to have everything covered because OOP is so darn expensive. I just want to maximize my final months. With every treatment I have done so far, I have great follicle production with meds. IUI#1 was cancelled due to risk of OHSS and HOM. I am not confident that another IUI cycle would go any differently. I am currently on BCP to get rid of cysts. I have never had a medicated cycle that did not result in multiple cysts. So chances are in the next four months, I will really only be able to do two treatment cycles. I may have endometriosis, but I have put off having a lap out of sheer fear of surgery. Now I realize that I should probably do this while insurance will still cover it. I am really struggling with my next steps and losing sleep over this decision. Any advice you have would be greatly appreciated!
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Re: insurance running out...WWYD
Forgive me, but I'm a little confused as to how you could only have four months of coverage left. Most plans I'm familiar with have coverage limits in dollar amounts not time periods. Can you explain further?
FWIW, I moved to IVF because we were running out of insurance money and we had tried IUI (both ovarian stimulation and injectibles) and neither had worked. We had enough coverage for one fresh cycle. I'm waiting to see if we will be OOP for our next cycle or if we have enough room to be be OOP for procedures and through insurance for montioring.
If you had endo, IVF would get around that issue and you wouldn't have to have a lap. But it's hard to cycle for IVF (both physically and emotionally) so I wouldn't go that route unless I was absolutely ready.
My insurance will cover IF treatments for a total of 18 consecutive months. Not sure why it's that way, but it is. Which really sucks if you can never do consecutive months of treatment b/c of cysts!
If you have full coverage and respond well to follicle stimulating hormones, i would think about IVF. It has the highest rate of success, and with a lot of eggs, you might have extra frozen embryos for a later attempt. This is what I decided to do and we were successful with IVF after several failed IUIs.
But as the PP said, you need to be emotionally ready for that decision.
WOW, I've never heard of that. That almost forces your hand to go to treatments that might be unnecessary and aggressive!
If it were me I'd go to IVF. My IVF cycle was 60 days start to finish. Which will eat up most of your insurance. But it's your best chance of success (if you are looking at nothing but percentages and odds).
You can always go back to IUI when you are OOP. Nothing says you have to stick with IVF. Plus, if you are lucky enough to have extra embies go to freeze, a FET is less expensive than a full fresh cycle.
GL to you!
I would go for an IVF cycle as well. One you have some embies you can put them in Cryo. If you have to pay oop it will be cheaper to to a frozen cycle than a fresh one.
We have about half of our Insurance limit left. Not sure what we will do if we run out. Luckily we do have some in the freezer.
"Go confidently in the direction of your dreams. Live the life you have imagined." - Henry David Thoreau
formula-feeding, co-napping, sposie-using, baby-wearing, ap-ish mamma!