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Dropping the IF bomb on my employers

kflynn81kflynn81 member
in Infertility Veterans

Well, I got a copy of the health insurance information from my new job. The coverage outline is basic and says to go to Humana.com for more information but you need to have existing coverage to find out what your employer covers.

Ugh....I really didn't want to have to out myself within the first week but I'm dying to know what, if any, IF coverage they have!!!!   I'm hopeful for donor coverage, which we don't have currently.

When I pull up the benefits online for all inclusive plans, they say they cover medical expenses for DE and DS but its just a matter of if my employer opted for that plan or not I guess. Oh well....wish me luck for THAT conversation, LOL

Me: 33, Endocrine issues & FVL       DH: 32, Nothing 
NTNP 2009-2012         TTC since 2012:
  • Clomid, 2 IUI cycles, and 5 IVF cycles = BFN
  • FET #1   August 2013 = BFP!     EDD 5/11/14
  • Jack dx at 19w1d with Dandy Walker on 12/16/13
  • Severe Pre-e /HELLP set in Jack born sleeping at 20w1d on 12/23/13
  • FET #2 --July 2014  BFP!  ---  EDD  4/5/15

Jack has handpicked his sibling up there :)

My blog about IF and loss ... Kate's IF Blog

        Lilypie Angel and Memorial tickers 

                                                  

                                                                          Lilypie Pregnancy tickers


              Anniversary





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Re: Dropping the IF bomb on my employers

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    DoublePortionDoublePortion member
    Yikes! Have you tried calling Humana? Maybe you could get more info over the phone. That is certainly not a conversation I'd want to have with an employer I just met! Good luck whatever you end up doing!

    ***signature & ticker warning***

    Me: 30 ~ Stage IV Endo ~ AMH .38 ~ AFC 8
    AMH .97 as of 4/2012! ~ AMH 1.63 as of 4/2013!?!
    Him: 29 ~ perfect swimmers
    Laparotomy w/partial oophorectomy 8/2009 to remove cysts/endo.
    Stopped BCP 4/2010.
    Multiple clomid rounds from 11/2010 to 6/2011. ~ All BFN
    IUI w/clomid 7/2011. IUI w/clomid & injectables 11/2011 & 1/2012. ~ All BFN
    IVF:EPP 5/2012 ~ (4R, 3M, 2F w/ICSI). Both embryos txfrd. ~ BFN
    BCP to manage endo from 10/2012 to 12/2012.
    FET w/donor embryos #1: 10/2013 Cancelled
    FET w/donor embryos #1.2: 11/2013     ~ ET of 2 beautiful blasts on 11/27.
    Beta 1: 503(12dp5dt) Beta 2: 1035(14dpt) Beta 3: 3001(16dpt)     Beta 4: 8503(19dpt)
    Twins with an EDD of 8/15/14! Team Purple
    G&B born 6/30/14 at 33w3d via emergency c/s.

    If you're wondering about my avatar...it's a fried pickle chip shaped like a fetus!

    image

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    kflynn81kflynn81 member

    imageDoublePortion:
    Yikes! Have you tried calling Humana? Maybe you could get more info over the phone. That is certainly not a conversation I'd want to have with an employer I just met! Good luck whatever you end up doing!

    Ooooh good idea, maybe I'll try that!!!

    Me: 33, Endocrine issues & FVL       DH: 32, Nothing 
    NTNP 2009-2012         TTC since 2012:
    • Clomid, 2 IUI cycles, and 5 IVF cycles = BFN
    • FET #1   August 2013 = BFP!     EDD 5/11/14
    • Jack dx at 19w1d with Dandy Walker on 12/16/13
    • Severe Pre-e /HELLP set in Jack born sleeping at 20w1d on 12/23/13
    • FET #2 --July 2014  BFP!  ---  EDD  4/5/15

    Jack has handpicked his sibling up there :)

    My blog about IF and loss ... Kate's IF Blog

            Lilypie Angel and Memorial tickers 

                                                      

                                                                              Lilypie Pregnancy tickers


                  Anniversary





    Report Reply
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    luvbostonluvboston member
    I think you can just call Humana with your card information and ask if they opted in or out otherwise the HR person should have the companies binder you can just look through so you don't have to ask specifics. Also FYI Humana drug coverage suck some scripts are cheaper at walmart for $4.
    6 m/c
    Anovulatory cycles, increased Synthroid Diagnosed Sep 2010
    Natural cycle Dec 2010 BFP M/C 6 1/2 Weeks, D&E Jan 2011
    1 Clomid/Ovidrel BFN May 2011
    Natural cycle Aug 2011 BFP M/C 4 Weeks
    1 IUI Sept 2011 BFP M/c 7 weeks
    Provera Dec 2011 BFP M/C 3 Weeks
    DQ ALPHA HLA MATCH, High NK Cells Diagnosed Dec 2011
    IVF March 2012 BFP m/c 4weeks 5 days (IL, Prednisone)
    IVF#2w/DS July 2012 MEGA FAILURE BFN (IL, Dexamethasone)
    Diagnosed No real HLA Match, DQ Beta Triad, High TNF, Low NK Cells
    Oct 2012 Natural Cycle m/c 4wks (Lovenox, Prednisone) 
    Went to Beer Center- high tnf, low lad, implantation failure
    Nov/Dec 2012 LIT Treatment
    Dec 12 Humira
    Jan 2013 BFP
    Humira,LIT,Prednisone, Lovenox, IVIG, Baby Aspirin
    Miracle Born August 2013 Premature

    Yours doesn't have to be a sad story


    image
    image


    Lilypie - (ugiy)


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    J&D2007J&D2007 member
    I agree. I'd call the insurance company directly. They are bound to know more than the HR people at your company I bet. Good luck! And how very awesome to have coverage at all, I am very jealous!
    Me: 37, DH: 38: ttc 7 years, dx: unknown
    10/11: after 2 years, saw a RE, FSH 5.4
    11/11: BFP! (surprise after thyroid & normal hsg),
    12/11: missed m/c after 7 week u/s, 1/12: D&C
    6/12 IUI#1-IUI #3: clomid = BFP!, C/P
    IVF #1(10/12) FSH 5.4, AFC: 16 long Lupron, 5R/5M/4F, all 4 made it to 5dt, 1 blast/1-8 cell transferred=BFN
    IVF #2(12/12)AFC 21, MD lupron, 4R/4M/3F, 5dt of 1 blast and 2-8cell. BFN.
    IVF#3(4/13) Natural start antagon protocol, 12R,11F. one PGS normal at day 6 transfer. BFN.
    IVF#4 (11/13) C.CRM (ODW.U normal 8/13 Still no Diagnosis) EPP/antagonist. ER 13R/7M/6F. Only 1 made it to freeze. Abnormal. Looking into options of DE, Fresh vs frozen.
    10/14 new local RE to look into what's next. CD3 FSH 4.7, AMH 0.9. Met with DE agencies and exploring options for feb/march 2015.
    Surprise natural bfp (4 days before donor is signed). Beta #1 at 9dpo: 51.8, 2nd beta: 195 (25 hours doubling) @11dpo. 3rd beta (12/15): 516 (35 hrs doubling) 4th beta(12/17): 895 (58 hours doubling) 5th beta(12/19): 2120. U/S at 5w0d(12/22): one gestational sac with yolk sac. U/S #2 (6w0d)12/29. One little bean measuring 6w0d with HR 124. 3rd u/s(1/4)7w0d: baby measuring 7w2d. HR 134. 3/30: A/S at MFM went great except for low lying placenta. Verifi results are normal! Team Blue! Please send any positive thoughts our way! EDD:8/24/2015
    Baby Will born 8/18. He's perfect.
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    megs3084megs3084 member
    Drop that bomb! Kabooooooom!!!!! Jk. Id talk directly to humana if you can. I know my company uses them we have dhs insurance and if coverage was somewhat lacking. No clue bout de. Granted thats just what my company uses.
    "Everything will be alright in the end. So if it's not alright, it is not yet the end."
    Me:29 DH:29  TTC since 1/11 Dx: unexplained IF/early DOR/immune issues 
    Feb'12- July'12-testing(all clear minus slight arcuate ute), 3 IUI with clomid all BFN
    8/30IVF#1 Antagonist protocol- ER 9/11-8R, 7M, 5F. 
    ET 9/14 2 embies transferred. 1 10cell Grade 4, 1 8cell Grade 4. No frosties. BFN
    IVF#2 Antagonist protocol plus baby aspirin- ER 12/5-16R, 12M, 8F!
    ET 12/10 5dt! 1 fully expanded blast & 1 early blast. No frosties. BFN
    3/13 hysteroscopy & polypectomy, Consulted w Dr. Kwak-Kim.  
    DX: High NK cells, cytokines, DHEAs& PAI1;  hypothyroid, +APA, restricted bloodflow
    7/13 IVF#3 Long lupron protocol with PIO, Crinone, Prometrium, and vivelle
    (plus synthroid, metformin, baby asa, metanx, PNV, Vit E, D, calcium, fish oil, CoQ10, IVIg infusions and lovenox per Dr. Kwak-kim)
    ER 7/19 14R, 11M, 9F(4 natural fert, 5 with ICSI)
    ET 5dt 7/24 2 fully expanded blasts.  SURPRISE 3 FROSTIES!!!
    Beta #1 8/2 335!!!! Beta #2 829!!!  1st u/s 8/14 showed TWINS!!!!!
    11/11: TEAM PURPLE!!!!!
    3/21/14-L&W born at 37w via csection
    Here Comes the Sun Blog
    PAIF/SAIF welcome!
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    liz4pawsliz4paws member
    My company has a "Summary Plan Description" (SPD) which outlines all of the coverage, including infertility benefits (or lack thereof.) I think this is a common term and document among the insurance world. Maybe your employer or Humana can provide that to you? It's lengthy but will give you all the details you need. Good luck! I hope they do have some good coverage.

    ************ Signature/Ticker Warning ************
     Me (32) DH (36) - Finding our way to baby #1
     Me: POF/DOR - AMH <0.16, heterozygous c677t MTHFR, insulin resistant and gluten intolerant
     DH: Severe MFI

     12/2/11 - IUI #1- BFN 
    8/1/12 - IVF #1 - Zero response from max stims (600iu intramuscularly)
    My ovaries are just for decoration

     12/6/12 - Adopted five embryos that had been frozen for over ten years!
     2/11/13 - DEmbryo FET #1 Thawed four, sadly two didn't survive. Transferred two beautiful blasts. 
     2/16/13 - First BFP of my life @ 6dp5dt! EDD 10/30/13
     3/27/13 - After beta and u/s hell, no heartbeat ever detected. D&C at 9w1d.

    6/5/13 - Adopted four new embryos that had been frozen for seven years!      
    9/12/13 - DEmbryo FET #2. Thawed and transferred two beautiful blasts
    9/17/13 - BFP @ 5dp6dt! EDD 05/31/14
     9/29/13 - m/c @ 5w1d. :(

    11/19/13 - DEmbryo FET #3. Thawed and transferred one blast from each batch. Wow!
     11/23/13 - BFP @ 4dp6dt! EDD 8/7/13
    Beta #1 @ 13dp6dt - 522  Beta #2 @ 16dp6dt - 1373 
    6w5d ultrasound showed one perfect baby with a beautiful heartbeat of 134bpm!

    Snowflake baby is a girl! 
    Our beautiful Snowflake girl arrived on July 22, 2014!   
     My embryo adoption blog: Wishing on a Snowflake
      
        image      image 
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    PurpleIris30PurpleIris30 member
    Everyone else had some good ideas on how to get the information without asking your new boss. No way would I do that the first week. :)  Hope it's good news for you.
    Married 8/2008. IVF with PGD March 2013.
    3/22 ER: 25R, 20M, 15F. 9 genetically normal, and 3 survived to Day 5
    3/27 ET: transferred 1 embryo, beta 9dp5dt=163, 12dp5dt=639
    4/25 1st ultrasound at 7 weeks = identical twins with heartbeats?!!!
    PPROM at 31w, delivery at 32 weeks of two beautiful girls
    image
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    Mitzi BishiMitzi Bishi
    I hope you can find the answers you need and that there's a pot of gold waiting at the end with some good coverage. 
    (Live in Europe) TTC since 1/2010
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    kflynn81kflynn81 member
    I ended up just asking the CFO if he had a copy of the detailed policy....he did!!!!  So I didn't have to out myself and got the information I needed. Unfortunately, they offer ZERO infertility coverage so I guess we're staying with what we've got!
    Me: 33, Endocrine issues & FVL       DH: 32, Nothing 
    NTNP 2009-2012         TTC since 2012:
    • Clomid, 2 IUI cycles, and 5 IVF cycles = BFN
    • FET #1   August 2013 = BFP!     EDD 5/11/14
    • Jack dx at 19w1d with Dandy Walker on 12/16/13
    • Severe Pre-e /HELLP set in Jack born sleeping at 20w1d on 12/23/13
    • FET #2 --July 2014  BFP!  ---  EDD  4/5/15

    Jack has handpicked his sibling up there :)

    My blog about IF and loss ... Kate's IF Blog

            Lilypie Angel and Memorial tickers 

                                                      

                                                                              Lilypie Pregnancy tickers


                  Anniversary





    Report Reply
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    PrideandJoy29PrideandJoy29 member
    I'd try calling Humana. Yikes!
    image

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