I really don't think provincial healthcare aka socialized medicine should necessarily pay for infertility treatments.
Manitoba has a system where they offer tax credits for those who undergo treatments. I think that is a good compromise.
This is a really touchy subject with me!!! The fact that my province will help cover sex change operations (mental health issue) and not cover any fertility treatments really bothers me. I only needed fertility drugs and they are expensive in Canada and the fact that my benefits won't cover them because "infertility is not a disease" really made me angry. When you find out that it may be impossible for you to have children naturally it is devastating and I think it should be covered since so many other non-necessary treatments are.
I don't get why people become die hard fans of college teams they have absolutely no affiliation with.
Going there, a close friend/loved one going there, living close so you attend games is one thing but I mean like "oh 'Bama has been good at football for a while... maroon and white and elephants everywhere! Roll tide for life!!"
Yesssssss!!! 150% agree! My hubby likes to root for LSU because a guy from his hometown (who he didn't even personally know) played for them years ago. Drives me nuts.
However, I will say if you live in/are from the state where the school is located I get it.
ouch. I'd rather it cover treatments for people who have no control over their medical issue than those issues caused by morbid obesity, smoking, drugs, etc.
But see, that's my problem. It quickly becomes a doctor's decision on who deserves kids. You aren't just treating a medical problem.
I have a medical problem where I don't ovulate on my own. Are you saying I shouldn't be able to get help with that even though I did nothing to cause it?
I only needed fertility drugs and they are expensive in Canada and the fact that my benefits won't cover them because "infertility is not a disease" really made me angry.
Well, no drugs are covered. Even if they did start covering infertility treatments I don't see how you could argue the fertility meds should be covered while life-saving meds have to be paid for.
Private insurance is another matter.
Also, I'm not sure why "I didn't do anything to cause it." Is the standard of why you deserve a health treatment. Once again. It comes to this judgement of who deserves to be a parent. Saying oops you're too fat or you once had chlamydia therefore you don't deserve a kid is pretty shitty. I don't want the government in charge of making those decisions.
Ha, that's totally not I was inferring. I just don't get why certain issues like sex change operations get covered when things like fertility treatments don't. Infertility messes with your mental health too.
@kames12
Which is another issue. Say you need IVF. How many rounds should the government cover? One? Three? Twenty?
The government decides three. Well some people will get three kids out of that. Other couples will get zero. How is that fair?
And of course some people will never be able to conceive. Should the government then fund any adoption attempts?
Again I think tax credits after the fact is a far better solution then the government deciding what, and more specifically who, is covered up front.
I am a Yankee so my insurance is crap anyway but is it any more fair to decide that no one gets any infertility coverage at all? Sure, three is not ideal for everyone and I know it takes many people a lot more than three time to have a child. But their chances with NO IVF is zero. That seems more unfair to me than three. There is no perfect solution bc in an ideal world no one would have to deal with infertility and if they did it wouldn't cost them an arm or a leg. But the government has to make a decision somewhere along the line and right now three treatments is the best they've got.
@Sympkin I'm not saying they should be fully covered but having anything, even the first RE consultation covered or really great tax breaks would be nice. Although wait times are the biggest issue right now.
I hate hate HATE the term "baby weight", especially considering how much it is used in terms of celebrity weight loss. It has such a negative connotation in that the clock is always ticking to see how fast you get rid of it. It's never "wow, that baby weight looks good on her" or " she must have created and is now sustaining a very healthy and thriving human life".
I hate hate HATE the term "baby weight", especially considering how much it is used in terms of celebrity weight loss. It has such a negative connotation in that the clock is always ticking to see how fast you get rid of it. It's never "wow, that baby weight looks good on her" or " she must have created and is now sustaining a very healthy and thriving human life".
I'm not interested in losing my "baby weight". I was an unhealthy weight before getting pregnant and I don't ever want to be there again. Now I'm at a healthy weight and I look healthy. Sure, a flat stomach would be nice but I'm not interested in losing any weight. Is that weird?
on the topic of college sports... I just don't get it; it's amateur hour/ bush league football/ basketball.... I like the tournament gambling aspect of march madness but I never understand why people choose to watch sub-par level sports. NFL and NBA for lyfe.
I disagree a little. When we were kids our parents didn't have to compete with the technology our children are/will be exposed to. The distractions kids are faced with today is so much more than we ever did, so while "not playing with your kids" may be what our parents did, doing that now might result in your kid getting into something you don't want them in (which, I know, could lead to an important life lesson, but I'd rather that lesson not be that naked selfies last forever).
The details of a birthday party and such are very competitive and overboard, especially at this age, but I don't think you can phone it in like the author describes her parents doing. I really think you have to engage your kids if you want to impact them...
on the topic of college sports... I just don't get it; it's amateur hour/ bush league football/ basketball.... I like the tournament gambling aspect of march madness but I never understand why people choose to watch sub-par level sports. NFL and NBA for lyfe.
Non-professional athletes play with a lot more heart than the pros. And when it comes to basketball, college wins for one reason: defense
I feel like so much gets put there, that the rest of the board becomes dead. I feel like with the Spam thread we have TWO June boards (not to say that the ladies who participate are excluding anyone...it's just like a second board but you can't make threads).
I like the spam thread because I feel like there are two boards in a good way. It is easier to keep up on the regular posts and then if you have the extra spare time you can also read the spam.
on the topic of college sports... I just don't get it; it's amateur hour/ bush league football/ basketball.... I like the tournament gambling aspect of march madness but I never understand why people choose to watch sub-par level sports. NFL and NBA for lyfe.
Non-professional athletes play with a lot more heart than the pros. And when it comes to basketball, college wins for one reason: defense
Yep. I have heard that argument. But I don't watch sports for the "heart" I watch sports for the entertainment. For example, I watch movies because the movie itself is fun and exciting not because the actors and behind the scene people poured their heart and soul into it.
Also, defense heavy games are boring because it's not high scoring which is another reason why I don't watch college basketball.
But I know college basketball and college football are ridiculously popular everywhere; but honestly I laugh at people who spend their saturdays watching amateur college football; sundays are for football not saturdays, silly.
on the topic of college sports... I just don't get it; it's amateur hour/ bush league football/ basketball.... I like the tournament gambling aspect of march madness but I never understand why people choose to watch sub-par level sports. NFL and NBA for lyfe.
This is a wildly unpopular opinion in my house. I don't know how anyone can say watching nba games is more entertaining than college ones. To me it's clear that nba players are mostly there for the fame and the big salary and don't really play to win/with heart (I said most, not all - I'm sure there are exceptions to this rule). College bball has WAY more last second shot games. Andplusalso, the tournament one and done set up makes it far more likely that there will be upsets (case in point - duke this year).
However, I will agree with your statement in regards to nfl vs college football.
Edit: Apparently I'm signed in under my theknot profile.. reposting under my TB name to avoid confusion.
I don't agree that "food before one is just for fun."
Ellie gets about 50% of her nutrition from solid foods at 10 months old. I'm not saying formula/breastmilk is not very important but I believe normal food is important also between 8 & 12 months. Ellie would definitely not be satisfied with just milk at this point. She eats 3 meals and 1 snack a day along with four 5.5oz bottles.
Eleanor Carter-Lynn born 6.4.13, 17 days early, natural birth
Tetraolgy of Fallot discovered 6.5.13, Open Heart Surgery 10.7.13
Oh and I hate Disney. I do not get how a vacation there is fun. I understand this may change, but currently the idea makes me cringe.
Agree. If it weren't for my parents owning a winter home 45 minutes away from disney world I wouldn't go unless the kids asked. Ds1 (3) loves mickey and all of those characters so we bring him there for one day whenever we go visit my parents.
on the topic of college sports... I just don't get it; it's amateur hour/ bush league football/ basketball.... I like the tournament gambling aspect of march madness but I never understand why people choose to watch sub-par level sports. NFL and NBA for lyfe.
This is a wildly unpopular opinion in my house. I don't know how anyone can say watching nba games is more entertaining than college ones. To me it's clear that nba players are mostly there for the fame and the big salary and don't really play to win/with heart (I said most, not all - I'm sure there are exceptions to this rule). College bball has WAY more last second shot games. Andplusalso, the tournament one and done set up makes it far more likely that there will be upsets (case in point - duke this year).
However, I will agree with your statement in regards to nfl vs college football.
It is probably the most unpopular opinion that I have. My friends think I am crazy too (some are UVA fans, some are longhorns, some are Vtech fans and my In laws are Penn State fans - BIL went to Penn State). My husband and I, who both went to non-football or basketball college (we were all about hockey and lax at our college) get mocked all the time for voicing our opinions on college sports!
As an actuary who works in insurance, but NOT in health insurance, I have opinions on what are truly insurable causes of loss. But health insurance has long since ceased to be true insurance, so it probably doesn't matter whether it is an insurable cause of loss or not. So while I think that TRUE insurance wouldn't cover things like birth control or infertility treatments - health insurance isn't true insurance anymore and there are clearly things it is trying to achieve beyond just providing insurance.
Regarding college teams - I'm of the opinion that fans who jump on the bandwagon are lame. Maybe because I grew up in the south and went to a school that didn't have people who jumped on our bandwagon but EVERYone cheers for like one of 4 schools and about 5% of the people I know that are fans actually went to that school. It's annoying to me. I get what it's like to go to a school and be very tied to that school and have school spirit. I just don't get why people care if they don't have ties to the school. I can understand it if family members went there or whatnot, but just because you live in the state still doesn't make sense to me.
Also, I don't get being a fan of a whole conference. Be a fan of a school and cheer for that school. Why cheer for a whole conference?
Oh and I don't like Disney either. We'll probably take our kids there once but it just seems like a big headache to me. I went about a year and a half ago for a work conference thing and the whole time we were there, both hubby and I were like "how is this fun?" haha.
@sympkin That's a really crappy O. Infertility is not something a person caused in many cases. No one asks to be infertile. Covering some of the care to allow a person to have a child is an amazing benefit.
I'm a US citizen, so I have a feeling our plan pays bupkiss toward infertility treatments, and I think I pay for a lot of other crap people do to themselves (chain smokers with lung cancer?). Who are you to decide what another person deserves for medical treatments? And it's not like it covers as many tries as you want- its a limit. So... that seems fair and reasonable.
Our lil' diva: late like her Momma: 40 weeks 5 days!
I think it's very strange to spend time finding opportunities to ridicule people and be snarky on TB forums. I suspect that people who are unnecessarily rude on the internet have a desperate/unhealthy need for attention.
@Sympkin does your province cover fertility? Mine does not, that's why I don't get your UO. If your province doesn't and you're saying it shouldn't then it's kind of a moo point
@monkeybutt80 You would not like me then, because I don't watch football on Sundays anymore only on Saturdays. It is my opinion that college games are more exciting due to the fans, chants, and heart compared to NFL fans. And I used to watch football on Sundays, but my team the Buccaneers had blackouts for the area for the past several years. Andplusalso, I would much rather watch a soccer game, and they are very low scoring, with lots of defense. Probably my UO since I'm pretty sure most Americans hate soccer.
@Steamboat1679 because true insurance covers insurable events - which are unexpected events. It doesn't cover preventative measures. Think about homeowners insurance - it covers your house if something unexpected happens. You pay a premium up front for unknown claim amounts in the future. By buying insurance, you're buying protection against the risk that something unexpected might happen. Birth control doesn't fit into that category. You know you're going to take birth control - you can control taking birth control. That isn't insurance.
I'm not saying it shouldn't be covered necessarily. I'm just saying health insurance is no longer true insurance because it's moved into the territory of providing things for the social good, like birth control, that aren't unexpected events.
@ChelsRy1
Again that's why I'm pro tax credits because it is "something" without getting bogged down in the details. It can also be implemented without having to be constantly updated, as nothing mucks up the system more than new methods or technologies that have to wait to be approved for coverage.
@flerlgirl
Covering IVF is certainly more 'fair' for those who have a chance to get pregnant through IVF but what about those who know they can't carry a child? Quebec covers IVF but you are out of luck, and thousands of dollars, if you pursue international adoption.
The overriding problem is one of not having a child and it is often not one solved by medical intervention.
For ChelsRy again. The reason I'm mentioning it is because I have some people crusading for it on my FB but I don't think it actually solves the issue. And why I mentioned in my OP that tax credits is probably the way to go. Sadly most of the people I know who have been open about their fertility problems would not actually be helped by the Quebec program.
So...again... they should cover nothing instead? People who can conceive through IVF get punished? I know the system isn't perfect. No system is. But I just don't get the logic here. Medicaid doesn't cover a lot of J's medical expenses because they consider us too well-off (LOL) to qualify for some programs. So should we take away all of those programs just because some of us can't take advantage of them? I think it's wrong that I am not covered. But I have several friends whose kids are covered. Why should they now suffer because of how much money I make?
I agree with you that the current solution isn't great. But yours is equally bad.
I'm started to dislike all the threads/polls lately about "is your LO doing [blank] yet?" because they make me obsess about E being behind. When I saw the walking thread I was all
I'm started to dislike all the threads/polls lately about "is your LO doing [blank] yet?" because they make me obsess about E being behind. When I saw the walking thread I was all
@monkeybutt80 You would not like me then, because I don't watch football on Sundays anymore only on Saturdays. It is my opinion that college games are more exciting due to the fans, chants, and heart compared to NFL fans. And I used to watch football on Sundays, but my team the Buccaneers had blackouts for the area for the past several years. Andplusalso, I would much rather watch a soccer game, and they are very low scoring, with lots of defense. Probably my UO since I'm pretty sure most Americans hate soccer.
that's exactly why I cannot watch soccer!!! During World Cup, the entire nation where I grew up goes nuts. I mean, like people party in the streets after every win. Stores, restaurants close because no one wants to work during the games. But I still can't watch it... I get so bored...
@Steamboat 1679. I don't understand. Most of the time when I'm asked what my career is I say "rockstar actuary". But I thought I was being redundant so I quit adding the rockstar, because I'm pretty sure rockstar and actuary are pretty much synonymous.
I think I see where @Sympkin is coming from in that IVF is not a medically necessary treatment. Maybe there are exceptions, but in general our (Canadian) insurance doesn't cover anything considered optional/not medically necessary. In the end a tax credit or insurance converge all come from the government, so I don't think is actually makes a difference (except that it is a lot easier to cap a tax credit at a dollar amount). My understanding is that you do get some sort of tax credits for almost anything medical related that you pay for out of pocket (prescriptions, chiropractor etc.) so my guess is there is some sort of credit for IVF. I should ask my dad (tax accountant).
@ChelsRy1
Again that's why I'm pro tax credits because it is "something" without getting bogged down in the details. It can also be implemented without having to be constantly updated, as nothing mucks up the system more than new methods or technologies that have to wait to be approved for coverage.
@flerlgirl
Covering IVF is certainly more 'fair' for those who have a chance to get pregnant through IVF but what about those who know they can't carry a child? Quebec covers IVF but you are out of luck, and thousands of dollars, if you pursue international adoption.
The overriding problem is one of not having a child and it is often not one solved by medical intervention.
For ChelsRy again. The reason I'm mentioning it is because I have some people crusading for it on my FB but I don't think it actually solves the issue. And why I mentioned in my OP that tax credits is probably the way to go. Sadly most of the people I know who have been open about their fertility problems would not actually be helped by the Quebec program.
Wait! Can't you adopt a child from Canada? Is that covered? Because that makes sense- not that we shouldn't help kids around the world, but I know at least in the US system, if the kids we DO have "in the system" were each adopted (say one to every family with infertility issues) we likely wouldn't have kids "in the system". If you're adopting "out of country" then why should you have that covered? You're not lowering the burden on "the state", you're increasing it/keeping it level.
I guess my UO is that I'm sad that people adopt out of their own countries when we have so many kids here that deserve families too. Yes, I get that many may come with baggage, but I still get sad about it.
Our lil' diva: late like her Momma: 40 weeks 5 days!
Damn box... @justplaneloved I understand that domestic adoption has its drawbacks, but my point was from a governmental funding point of view, it doesn't make financial sense to credit or fund international adoption. I'm not saying that every family who wants a child doesn't deserve a newborn. I am saying it's sad how many kids who have lost their families through no fault of their own are never given another chance. If we had the resources to adopt an older child, I absolutely would.
My wish is for ALL kids to have homes and families. My dad was born in Puerto Rico, and his "aunt" is not blood related to us at all- her parents passed away when she was a young child, and my great-grandmother took her in and raised her as a member of the family. That's how things were done then, and there.
Our lil' diva: late like her Momma: 40 weeks 5 days!
I think I see where @Sympkin is coming from in that IVF is not a medically necessary treatment. Maybe there are exceptions, but in general our (Canadian) insurance doesn't cover anything considered optional/not medically necessary. In the end a tax credit or insurance converge all come from the government, so I don't think is actually makes a difference (except that it is a lot easier to cap a tax credit at a dollar amount). My understanding is that you do get some sort of tax credits for almost anything medical related that you pay for out of pocket (prescriptions, chiropractor etc.) so my guess is there is some sort of credit for IVF. I should ask my dad (tax accountant).
Our insurance covers so many non necessary treatments and surgeries it's ridiculous, if you look at all the things that her covered the fact that will cover no part of fertility expenses is crazy.
Re: UO
When you find out that it may be impossible for you to have children naturally it is devastating and I think it should be covered since so many other non-necessary treatments are.
However, I will say if you live in/are from the state where the school is located I get it.
M/C 7/8/12
Perfect baby boy born 7/8/13
BFP 8/20/14 EDD 4/27/15 It's a GIRL!!
https://m.huffpost.com/us/entry/5062838?ncid=fcbklnkushpmg00000063
Ha, that's totally not I was inferring. I just don't get why certain issues like sex change operations get covered when things like fertility treatments don't. Infertility messes with your mental health too.
I'm not new. I just hate The Bump.
I disagree a little. When we were kids our parents didn't have to compete with the technology our children are/will be exposed to. The distractions kids are faced with today is so much more than we ever did, so while "not playing with your kids" may be what our parents did, doing that now might result in your kid getting into something you don't want them in (which, I know, could lead to an important life lesson, but I'd rather that lesson not be that naked selfies last forever).
The details of a birthday party and such are very competitive and overboard, especially at this age, but I don't think you can phone it in like the author describes her parents doing. I really think you have to engage your kids if you want to impact them...
#Bodymber14 #Bodygate #itsMillerTime
Bradley 05-04-11 & Tyler 06-18-13
#Bodymber14 #Bodygate #itsMillerTime
Bradley 05-04-11 & Tyler 06-18-13
I don't think we can be friends... Disney is AMAZING.
SS: 12-13-02 | SD: 12-13-02
DS: 6-8-13 | Sept 15' #2
I like the spam thread because I feel like there are two boards in a good way. It is easier to keep up on the regular posts and then if you have the extra spare time you can also read the spam.
However, I will agree with your statement in regards to nfl vs college football.
M/C 7/8/12
Perfect baby boy born 7/8/13
BFP 8/20/14 EDD 4/27/15 It's a GIRL!!
Agree. If it weren't for my parents owning a winter home 45 minutes away from disney world I wouldn't go unless the kids asked. Ds1 (3) loves mickey and all of those characters so we bring him there for one day whenever we go visit my parents.
Our lil' diva: late like her Momma: 40 weeks 5 days!
Andplusalso, I would much rather watch a soccer game, and they are very low scoring, with lots of defense. Probably my UO since I'm pretty sure most Americans hate soccer.
=D>
I'm not new. I just hate The Bump.
I'm not new. I just hate The Bump.
Our lil' diva: late like her Momma: 40 weeks 5 days!
Our lil' diva: late like her Momma: 40 weeks 5 days!