Paying OOP is getting hard :-(

nrjf01 · October 2008

And I am only on my first IUI with injectiables. $1500 just for the cycle fee, I just shoved out another $350 for two more days of meds. Total meds almost $800 and I still have another $375 to pay for the actual IUI and sperm washing! Add in the $1500 I paid for last cycle which was a BFN. This stuff is adding up quickly. AAHHHHH!

So far I have been able to pay for everything with out dipping into savings. But my DH is getting very anxious. We just recently bought a new house. Of course we would like new furniture, paint, etc. I told DH we need to put all that on hold for now and stop spending until we get the IF situation under control. The next step after this month is a lap, depending on if they find anything maybe another IUI or IVF. My DH has agreed to this plan but after a bunch of bills came in this morning. He said, "Where is this going to end? You are only 30, we have plenty of time." "The economy is tanking we are shoving out thousands to get pregnant." We both have excellant jobs but of course our insurance does not cover IF. I am a nurse and I know some of the hospitals in Philadelphia do offer IF coverage. My orginal plan was if IVF #1 was a BFN. I would get a different job to get coverage. But I currently like my job situation and do not want to change unless I have to.

I know I am only 30 but my Fsh is elevated and I want to be agressive now and not wait for it to get worse.

Dealing with IF is hard enough. Throw in the stress and anxiety of paying for it as well, it makes it ten times worse!!!

Anyone else feel like this?

hopeful14 · October 2008

I know OOP totally sucks!

( I am looking into grants, and studies at my RE's as a backup... no luck yet though. Good luck to you!

CardsfanSM · October 2008

Several of us on here on in your same situation. It's hard...really hard...and I won't lie, it doesn't get easier. We have spent over $17k in 2008 alone!

Hopefully your lap will give you some answers and you'll know more of what you are facing. Have you asked your doctor about donated meds? That can help a ton. Hang in there.

krisim · October 2008

I'm so sorry! We aren't to that point yet (just doing clomid cycles right now). But I can't even imagine how we're going to pay for everything without IF coverage. I'm already stressed out trying to figure out what we can cut out of our budget so that we can afford the extra costs if it comes to that. I've even put off going to an RE, so that we can continue seeing my Ob/gyn since it's affordable.

Quizzle · October 2008

Completely. We're totally OOP, our insurance doesn't even pay for testing.

It's part of why we haven't done anything recently, money is just too tight.

We've decided we're just going to go with whatever has the best chance... if it's straight to IVF we'll do that, rather than try IUI. We'll have to borrow money to do it. It sucks completely.

SkypekWithoutAC · October 2008

i totally don't understand how insurance companies get away with not covering IF. seriously, if any other part of your body wasn't working right, you'd have no problems getting coverage. (hugs)

Vet-Tech · October 2008

You're going to Abington Repro aren't you?? I was thinking, the prices sound just like where I go, then I saw you mention Philadelphia.? ?Do you live in the city or suburbs?

We're in the process of our first (hopefully only) IVF cycle.? We tried on our own, got pregnant twice & then nothing for 3 months.? Tried 2 IUI's without success, then went another 2 cycles on our own & now we're here in the midst of this cycle.? It is so very hard paying for everything out of pocket, especially when there aren't any guarantees that you'll end up with a baby.? Believe me, we took a loan out to pay partially for the IVF cycle & it will pain me if I have to pay this bill monthly for the next 3 years & not even have a baby to show for it.? IF sucks, plain & simple.

CardsfanSM · October 2008

Skype---it's not the insurance companies fault. It is the employer than offers the coverage; they choose not to offer IF.

mel72 · October 2008

It sucks! What aggravates me is that insurance companies don't consider u/s, b/w or meds for IF to fall under your medical benefits. I think it's a total bunch of b/s! IVF would be roughly $6K cheaper if these things were covered, WTF!!!!!

nrjf01 · October 2008

Yes, Vet-Tech, I am at Abington Repro. I live in Warrington so it is the closest. Good luck with your IVF cycle. I can't wait till you post your BFP!!!! I have a couple friends who have have had much sucess at Abington especially with IVF.

Jaclyn278 · October 2008

Hey you girls live close to me! I go to Northern Fertility...I like it there...so far.

nrjf01 · October 2008

Funny story, after my appointment I had to go to the pharmacy in the lobby of the Hospital to get my two day of meds filled. The two people in front of me had totals like $12.50 and $22. When the clerk rung my meds up and $350 came up she looked shocked and called for the pharmacist because my insurance card had been declined. I had to tell her yes, I know how much it costs and no my insurance does not cover it. As I drove home I thought of all the things $350 would buy.

smilee · October 2008

I am sorry. ?it is very difficult. ?I feel like we have put so much on hold because of IF. ?Both emotionally and financially. ?

?

I hope your IUI works!!!!!?

MarcyIam · October 2008

I absolutley hear you on the OOP thing - it really does suck. We have spent so much money so far and still no baby to show for it. :-( But, we are saving up again for the next round of IVF - woohoo! haha And ditto pp's on some suggestions - donated meds, grants, loans, etc... Good times. ;-)

Vet-Tech · October 2008

nrjf01:
Yes, Vet-Tech, I am at Abington Repro.? I live in Warrington so it is the closest.? Good luck with your IVF cycle.? I can't wait till you post your BFP!!!!? I have a couple friends who have have had much sucess at Abington especially with IVF.

We live in Pipersville & my OBGYN gave me their card when I was in for my annual visit in February.? Hard to believe we've been on this journey for 18 months now.? ?All of my tests came back clear but I have MTHFR & Factor 5 mutation.? I don't think that's what my "issue" is though.? I think it's just that my age is fighting against us.? This IVF cycle is a last attempt.? I know I'll be crushed if it doesn't work.? I'm finding that no matter what hurdle I get myself over, there's always another to worry about.? It's been very draining at times.? I hope your journey is much shorter!

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