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Pregnant after IF
chicagobride_07
member
Insurance Company Sponsored Maternity Programs
chicagobride_07
member
So, I got a letter in the mail inviting me to join the BCBS "Special Beginnings" program. I googled and women all over are raving about how great it is to receive coupons, a $50 Target gift card, special incentives for joining this program.
I think IF has made me a bit jaded. My RE and I just spent 4 months trying to get PIO covered (for during my pregnancy) which the insurance company denied because they said it could cause harm to the fetus. After a "peer to peer review" and months of paperwork, they announced they'd cover it, but at a "specialty biotechnology" co-pay of $100 a vial (PIO is about $40 a vial, so essentially, they weren't covering it). Just a mess. I have plenty other examples of the madness.
The "Special Beginnings" program letter says that "ideally a women is enrolled in her first trimester. A confidential interview determines if her pregnancy is at risk."
The jaded individual in me doesn't like this. If my OB determines I am high risk, and sends me to a peri, is the Special Beginnings program going to start telling the insurance to deny my claims because they don't agree? My OB has 30+ years of experience and other sub specialists he can reach out to, pretty sure I don't need confirmation of high risk status or how to proceed with treatment from an individual on a hotline. I don't like this level of additional oversight coming directly from the insurance company.
So tell me, am I totally off here? Just thinking of signing up for this, getting $50 from Target and coupons to BRU, and thousands in denied medical claims.
I don't see any other concerns on this on the internet......
DOR and AMA
2/12-5/12: 4 IUI cycles = all BFN;
7/12: DE IVF # 1 (with ICSI)- 20R, 16M, 14F, 5DT of 2 blasts; 6 frosties = BFN;
Lupus anticoagulant initially high, then found to be normal on hematology consult;
Follow up testing in September all clear;
Started synthroid for "high normal" TSH;
FET # 1- late October 2012- BFP on FRER; beta # 1- 21(low), beta # 2- 48 (still low), beta # 3- 132, beta # 4- 1,293; beta # 5- 5,606; last beta- over 100,000. First u/s 11/21- heard heartbeat
12/12- Officially an OB patient!
Level 2 ultrasound at 20 weeks shows vasa previa and VCI
Referral to MFM and mandatory c section for delivery
Beautiful baby girl born at 34 weeks
Finally home after 15 day NICU stay!
Trying for sibling: FET # 2- May 2014; beta 5/31, BFN
FET #3, early July 2014; beta 7/14, BFN
DE IVF # 2- August 2014; 14R, 13M, 11F, 5dt of 2 blasts (3 AA), 5 frosties = BFN
FET #4- December 2014, yet another BFN
Dr. KK work up shows borderline uterine blood flow, elevated NK cells, and MTHFR mutation (homozygous for c677t)
Added baby aspirin, prednisone, supplements, Metanx, and intralipids
Switched to large clinic for final attempt; had endometrial receptivity testing in January; FET March 2015 = yet another BFN
Likely OAD- NBC
This discussion has been closed.
Re: Insurance Company Sponsored Maternity Programs
I'm sorry to hear you've had to go through all this crap while getting pregnant. As if going through all that IF treatment isn't physically, emotionally, and financially draining to begin with!
I can't speak to your specific situation, but can tell you that I discovered my program during 2nd tri, which paid $150 at that point, and required a couple of phone calls during the pregnancy, and 1 follow-up, very painless.
This time, because I knew about it, I signed up during 1st tri and will get $250. I have had one interview so far, and won't hear from them again until well into 2nd tri, so I imagine no more than 3 more calls, plus follow-up. I had a very good experience with them, and there did not appear to be any issues with it relating to my insurance coverage. I have Cigna, FWIW.
IVF #1: 9/11: ER: 12R, 11M, 10F, No Frosties; 5dt: 2 blasts, 1 morula; DD born 6/3/12
IVF #2: 11/12-12/12: ER: 20R, 20M, 16F, 4 Frosties; 5dt: 3 blasts, DS born 8/9/13
2 years, 2 surgeries, 2 clomid fails, 2 IUIs, 1 loss, IVF #1 - 10/25/10 = BFP!, DS is now 3.5yrs!
TTC #2 - 6/12 surgery #3, FET #1 & 1.2 = BFN, 12/2012 FET #2 = BFP! DD is 1.5 yrs!
Surprise! 12/16/14 BFP, loss #2 12/31/14
I can't wait for the "im getting a divorce" post in 5 years or so because your husbands were fed up with your disgusting chair asses from playing on the knot all day and getting fired 4-5 times for not doing any work. you guys are all winners!! ~ Laur929
I don't believe I get anything for participating, but I figure I would since it is free. Their maternity division is completely separate from the insurance part of it and so I don't believe that it would affect decisions regarding your coverage.
It sounded to me like they just want you to make the best choices to have a healthy pregnancy/baby, which saves them money. They advocate a vaginal delivery when possible and breast feeding. I'm not sure that I'll "get" anything from participating as it seems pretty elementary, but oh well.
I have BCBC too, and I have never heard of this. Calling monday. I say go for it. I am about to go nuts and sign up for all of the diaper sites and stuff.