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Infertility
LO95
member
IVF Related Complications?
LO95
member
in Infertility
Okay, I had a major meltdown this morning.
I have two follicular cysts causing pain. Saw RE yesterday who basically told me to come back in on CD 2 to evaluate and possibly start meds. This got me to thinking about what would happen if I started treatment and had a complication- i.e.: OHSS? and up in the hospital.
I called my insurance to find out if any hospital visits would be covered. They told me that because that would be the result of a fertility (UNCOVERED) treatment that NO coverage would be available for treatment. So basically if I ended up in the hospital because I overstimulated or had an issue we would be 100% out of pocket.
WTF?! WHAT?! I am a mess. I know that it's negative to think there will be a problem but I am the girl whose mom got cancer the year her dad died. Shit happens and bad luck seems to follow me. Can anyone speak to complications they've had or issues they've had with insurance.
HOW CAN INSURANCE NOT COVER THAT? If I jumped in front of a car being an idiot that would be covered but not this?! I am so angry/freaked out/upset.
Me: 27 DH: 27
October 2013: Endo erosion/ Clear HSG
March 2014: SA #1/ 2%morph, borderline sperm count, decent motility
June 2014: SA#2/ 2% morph, low sperm count, worse motility
Plan: "Quick Start IVF"/antagonist protocol with Follistim, Ganirelix, Ovidrel and progesterone suppositories (yay)
High AMH (11) and Low BMI= low doses of everything to prevent OHSS
July 27, 2014: Started Follistim injections for ten days
July 31, 2014: U/S= 20 follicles, 8.5 lining, E2 is good, Ganirelix for 4 days starting 8/2
August 4, 2014: 14 follicles on-track, good lining, Trigger 8/6
August 9, 2014: 9 ICSIed/ 5 embryos; aiming for a 5dt on 8/13
August 13, 2014: 5DT of 1 4BA almost-hatching blastocyst (Please hang in, Little Bug!)
August 14, 2014: We have 3 frosties! Hope they're having fun hanging out together. 
August 23, 2014: Beta #1: 144 8/23/14: Beta #2: 374 Beta 8/25/14 Beta #3: 6,600 9/3/14
September 9, 2014: Ultrasound #1 115 heartbeats per minute
September 23, 2014: Ultrasound #2 182 heartbeats per minute
September 26, 2014: Love my OB's office
October 10, 2014: Our baby looks like a baby and is moving all over!
December 8, 2014: Anatomy scan- It's a girl!
"Hope strengthens. Fear kills."- Karen Marie Moning
"Heaviness is only temporary; the daylight will soon break in."- needtobreathe
This discussion has been closed.
Re: IVF Related Complications?
I have a similar situation (kinda). I have no insurance coverage for IF, but thankfully I have supplemental coverage through DH (also no treatment coverage, but they cover most of the meds thankfully!) and my hospital stay would be covered through him if there were complications. Because of my job, I had to get permission to be allowed to cycle, even though they're not paying for any of it. I was allowed ONE sick day for the day of ER, but if there were/are complications, then I could potentially be charged with a self-inflicted injury because it's an elective procedure. Fun times.
I despise insurance companies with a passion and fire that burns from within.
***EVERYONE WELCOME***
Me: 27 DH: 27
October 2013: Endo erosion/ Clear HSG
March 2014: SA #1/ 2%morph, borderline sperm count, decent motility
June 2014: SA#2/ 2% morph, low sperm count, worse motility
Plan: "Quick Start IVF"/antagonist protocol with Follistim, Ganirelix, Ovidrel and progesterone suppositories (yay)
High AMH (11) and Low BMI= low doses of everything to prevent OHSS
July 27, 2014: Started Follistim injections for ten days
July 31, 2014: U/S= 20 follicles, 8.5 lining, E2 is good, Ganirelix for 4 days starting 8/2
August 4, 2014: 14 follicles on-track, good lining, Trigger 8/6
August 9, 2014: 9 ICSIed/ 5 embryos; aiming for a 5dt on 8/13
August 13, 2014: 5DT of 1 4BA almost-hatching blastocyst (Please hang in, Little Bug!)
August 14, 2014: We have 3 frosties! Hope they're having fun hanging out together.
August 23, 2014: Beta #1: 144 8/23/14: Beta #2: 374 Beta 8/25/14 Beta #3: 6,600 9/3/14
September 9, 2014: Ultrasound #1 115 heartbeats per minute
September 23, 2014: Ultrasound #2 182 heartbeats per minute
September 26, 2014: Love my OB's office
October 10, 2014: Our baby looks like a baby and is moving all over!
December 8, 2014: Anatomy scan- It's a girl!
"Hope strengthens. Fear kills."- Karen Marie Moning
"Heaviness is only temporary; the daylight will soon break in."- needtobreathe
***EVERYONE WELCOME***
Me: 27 DH: 27
October 2013: Endo erosion/ Clear HSG
March 2014: SA #1/ 2%morph, borderline sperm count, decent motility
June 2014: SA#2/ 2% morph, low sperm count, worse motility
Plan: "Quick Start IVF"/antagonist protocol with Follistim, Ganirelix, Ovidrel and progesterone suppositories (yay)
High AMH (11) and Low BMI= low doses of everything to prevent OHSS
July 27, 2014: Started Follistim injections for ten days
July 31, 2014: U/S= 20 follicles, 8.5 lining, E2 is good, Ganirelix for 4 days starting 8/2
August 4, 2014: 14 follicles on-track, good lining, Trigger 8/6
August 9, 2014: 9 ICSIed/ 5 embryos; aiming for a 5dt on 8/13
August 13, 2014: 5DT of 1 4BA almost-hatching blastocyst (Please hang in, Little Bug!)
August 14, 2014: We have 3 frosties! Hope they're having fun hanging out together.
August 23, 2014: Beta #1: 144 8/23/14: Beta #2: 374 Beta 8/25/14 Beta #3: 6,600 9/3/14
September 9, 2014: Ultrasound #1 115 heartbeats per minute
September 23, 2014: Ultrasound #2 182 heartbeats per minute
September 26, 2014: Love my OB's office
October 10, 2014: Our baby looks like a baby and is moving all over!
December 8, 2014: Anatomy scan- It's a girl!
"Hope strengthens. Fear kills."- Karen Marie Moning
"Heaviness is only temporary; the daylight will soon break in."- needtobreathe
***BFP warning***
Me (36) and DH (34) married August 2010
TTC since January 2010
HSG in July 2011 found uterine polyps
Surgery Sept 2011 to remove polyps
Tried Clomid (monitored) Oct-Feb 2012
Consult with RE April 2012
Diagnosis ~ unexplained infertility
May 2012 IUI-BFN
April 2014- IVF consult with RE
May 2014- baseline~21 follicles, High FSH and estradiol
IVF #1 Aug 2014~Lupron trigger protocol (Gonal-F, Menopur, Cetrotide)
Stimmed for 9 days, trigger on 8/20~ 32-36 follicles seen, 16 measured on each side
ER~ 8/22 ~ 36 follicles retrieved! 21 Mature, 17 ISCI'd
8/27~Day 5 transfer of 2 BB blasts, 1 to freeze
9/9~ BFP!! Beta #1- 978
9/11~ Beta #2- 1965
9/15~ Beta #3-7480
1st ultrasound 9/24
Me: 27 DH: 27
October 2013: Endo erosion/ Clear HSG
March 2014: SA #1/ 2%morph, borderline sperm count, decent motility
June 2014: SA#2/ 2% morph, low sperm count, worse motility
Plan: "Quick Start IVF"/antagonist protocol with Follistim, Ganirelix, Ovidrel and progesterone suppositories (yay)
High AMH (11) and Low BMI= low doses of everything to prevent OHSS
July 27, 2014: Started Follistim injections for ten days
July 31, 2014: U/S= 20 follicles, 8.5 lining, E2 is good, Ganirelix for 4 days starting 8/2
August 4, 2014: 14 follicles on-track, good lining, Trigger 8/6
August 9, 2014: 9 ICSIed/ 5 embryos; aiming for a 5dt on 8/13
August 13, 2014: 5DT of 1 4BA almost-hatching blastocyst (Please hang in, Little Bug!)
August 14, 2014: We have 3 frosties! Hope they're having fun hanging out together.
August 23, 2014: Beta #1: 144 8/23/14: Beta #2: 374 Beta 8/25/14 Beta #3: 6,600 9/3/14
September 9, 2014: Ultrasound #1 115 heartbeats per minute
September 23, 2014: Ultrasound #2 182 heartbeats per minute
September 26, 2014: Love my OB's office
October 10, 2014: Our baby looks like a baby and is moving all over!
December 8, 2014: Anatomy scan- It's a girl!
"Hope strengthens. Fear kills."- Karen Marie Moning
"Heaviness is only temporary; the daylight will soon break in."- needtobreathe
This doesn't surprise me at all, sadly. Are you with Tricare?
***EVERYONE WELCOME***