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Stupid Insurance and TTC ( XP)

ksgsmuksgsmu member
in TTC after 35

So I have great insurance with CIGNA...low copays, huge network of the best doctors yada yada yada...EXCEPT today I just found out it doesn't cover ANY fertility test, treatments, medicines etc.. So that progesterone test and HSG just cost me 1500.00

I guess I need to look into DH's plan and see if I need to go over to his coverage or we will have to start saving just in case we have to move on to IF treatments etc..

I know many couples are in the same boat, but this is so upsetting.  I haven't told DH yet.. he is going to freak!
***siggy/ticker warning***

Me:36 DH:38 TTC#1 since 4/2012
Me DX: Hashimotos,Hypothyroid, DOR, MTHFR,  DH: normal

 IUI #1-#4 BFNs and a few cancelled cycles in the mix.
- poor responder
***Suprise BFP on 6/13/13. Natural MC @6wks 3days
IVF#1 and 2- Cancelled due to no response on max stimms
FET 5/20- BFP
1st Beta- 641
2nd beta- 2166
Sono- TWINS!!!!
Two Boys! Born January 2015 @36 weeks.  Healthy and no NICU!  So blessed!



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Re: Stupid Insurance and TTC ( XP)

  • Mayzie15Mayzie15 member
    I'm sorry. Our insurance doesn't cover anything IF related either. Maybe you could negotiate with the doctor? I know it's a long shot but it might work.

    Me 38 MH 41 - TTC since June 2010 - dx with Severe MFI. Straight to IVF with ICSI. IVF #1 - ER 06/13/12 - 9 Eggs Retrieved - 4 ICSI'd - only 2 fert. 06/15/12 - 2DT - 3 cell & 6 cell with fragmentation. Beta 06/29/12 - IVF #1 = BFN. 07/20/12 - WTF Appt -Told by our RE to quit IVF. Second Opinion from RE is good. IVF#2 - November 2012. Estradiol Pills Started 11/6. Stims start 11/16. ER 11/26 - 7 eggs retrieved - all mature. 4 fertilized with ICSI. ET 11/29 Transferred 3 embryos. Beta is 12/10. 1st Beta 81 2nd Beta 160 and 3rd beta 360!!! First U/S 12/21/12 - We saw one beautiful gest. sac. 2nd U/S is 01/04/2013 - H/B 183 02/05/13 - NT Scan - everything looks good and IT'S A BOY!  Aiden was born 08/20/2013.

    IVF #2 is in progress.  ER was 05/12/14 - 11 eggs retrieved, 8 fertilized with ICSI.  ET was 05/15/14 - we transferred 3 embryos as we did on the cycle my son was conceived.  We were able to freeze 3 embryos. Beta is scheduled for 05/26/14.  1st beta - 111.  2nd beta - 159 didn't double :( 3rd beta Friday 5/30) - not a lot of hope left. Beta # 3 is 247 - probably ectopic.  Beta # 4 is 813 - possibly vanishing multiple sydrome?  06/05/14 - 5w4days - first U/S - we see a gestational sac and yolk - still have hope!  06/17/14 - 7w1day - U/S and saw and heard the heartbeat - Finally!  06/27/14 - 8w4days - Baby and heartbeat look and sound great :)  EDD 02/01/14 and It's a boy!


     "Everything will be okay in the end. If it's not okay, it's not the end."


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  • ksgsmuksgsmu member

    imageMayzie15:
    I'm sorry. Our insurance doesn't cover anything IF related either. Maybe you could negotiate with the doctor? I know it's a long shot but it might work.

     

     Thanks  for your support.  We have the money, I just was blindsided that NOTHING was covered. 

    ***siggy/ticker warning***

    Me:36 DH:38 TTC#1 since 4/2012
    Me DX: Hashimotos,Hypothyroid, DOR, MTHFR,  DH: normal

     IUI #1-#4 BFNs and a few cancelled cycles in the mix.
    - poor responder
    ***Suprise BFP on 6/13/13. Natural MC @6wks 3days
    IVF#1 and 2- Cancelled due to no response on max stimms
    FET 5/20- BFP
    1st Beta- 641
    2nd beta- 2166
    Sono- TWINS!!!!
    Two Boys! Born January 2015 @36 weeks.  Healthy and no NICU!  So blessed!



    image 

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  • danieleandwaynedanieleandwayne member

    I would still talk to the doc and say that since nothing is covered by your insurance, would they give you a discount for paying cash? Very often, they will give a substantial discount. It all adds up, after all! 

    My insurance totally sucks when it comes to IF and even non-IF related TTC meds-- even though we get all our meds through my hospital/employer's own pharmacy (so you know they're getting deals!)...

    *********************************************************************************************

    "You have to do your own growing no matter how tall your grandfather was." 
            -- Abraham Lincoln
     

                               Me:39  MH:39 
    DD born 6/1/2013 after 15 months of TTC with one loss.    
    TTC #2: BFP 4/22 but stalled growth and no HB at 9w3d on 5/30        

    <a href="http://www.fertilityfriend.com/home/3a2798" style="font-size:smaller;" >
    <br /> My Ovulation Chart</a>
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  • jchow009jchow009 member
    imagedanieleandwayne:

    I would still talk to the doc and say that since nothing is covered by your insurance, would they give you a discount for paying cash? Very often, they will give a substantial discount. It all adds up, after all! 

    My insurance totally sucks when it comes to IF and even non-IF related TTC meds-- even though we get all our meds through my hospital/employer's own pharmacy (so you know they're getting deals!)...

    This.  My insurance doesn't cover anything.  So I called them back and told them. And, one place gave me 30% off and one place gave me 50% off.  It is very annoying.   

     

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  • ksgsmuksgsmu member

    Oh good advice about paying cach and asking for a discount!

    Thank you ladies! 

    ***siggy/ticker warning***

    Me:36 DH:38 TTC#1 since 4/2012
    Me DX: Hashimotos,Hypothyroid, DOR, MTHFR,  DH: normal

     IUI #1-#4 BFNs and a few cancelled cycles in the mix.
    - poor responder
    ***Suprise BFP on 6/13/13. Natural MC @6wks 3days
    IVF#1 and 2- Cancelled due to no response on max stimms
    FET 5/20- BFP
    1st Beta- 641
    2nd beta- 2166
    Sono- TWINS!!!!
    Two Boys! Born January 2015 @36 weeks.  Healthy and no NICU!  So blessed!



    image 

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