Bad Week

Murph10-1 · November 2008

Even though i was assured by 8 representatives at my insurance that I had the IF rider that covered IVF for 2 cycles, and even got an email from customer service that I was covered -listing out the procedures for IVF that I was covered for- my insurance got denied. The best was the mgr that finally gave me an answer said "b/c of me, they're rewriting the language of my plan so that the representatives at customer service dont get confused." and that IUI is covered, have a looked into that? Now do you think I would have called every single week to ask what was taking authorization so long if I could do a simpler and cheaper procedure. So my only recourse was to write a letter to their grievance dept with a copy of the email, and they have 5 days to get back to me (which I think will also be a big no)

Reason why i'm mad is not that i dont have the coverage, that I asked so many different times and even got confirmation in writing (which I thought would have been binding). My open enrollment at work just closed, but DH thinks he found a good plan that has all our drs. that may have an option to purchase additional IF coverage. At least now we know the questions to ask. We had an IVF orientation class on tuesday (we found this out monday) but cancelled for now, last thing we needed was to see excited couples ready to start and we had no idea how to finance our own baby).

So thursday i was scheduled for my hysteroscopy, but i havent gotten AF yet. So now this will be delayed. DH said that maybe one little tough sperm made it, and thats why I'm late. I feel PMS-y, but i've never been PG so I have no frame of reference. On monday night i was crying on the train ride home from work (god bless fellow New Yorkers that they dont even look at you and let you cry in peace) and I asked God to give me some kind of answer. I'd like to think this is his answer, but intellectually I know my period will come down over the next few days. I'm putting all IF activity on hold until January we get insurance straightened out, and we're going to see if the urologist can do something (he has no blockage or genetic probs, maybe he can give dh something).

I'm just so tired.

FreeSpirits · November 2008

I know it sucks! I was suppose to start IVF this past March and went through the same thing you and your DH just went through. I had to switch doctors and when we did that he didn't want to move into IVF we started with IUI's and now I am moving on to IUI#7 because #6 just failed. It's depressing when you have to look into taking out special finacing just to have a baby. I will keep you in my prayers that everything works out for you.