Hi, I live in Florida where infertility coverage isn't mandated. I have Aetna, and diagnostic procedures are covered but infertility treatments are excluded.
I haven't been ovulating. I tried Clomid 4 cycles but it wasn't monitored. I never got a positive OPK. After that I went to an RE.
The RE just recommended IUI with Femara and trigger shots. It looks like the cycle would be about $1k or more once its all said and done with the IUI, ultrasounds, meds, labs, etc.
I was wondering if since I've never really had a monitored cycle, if I should ask if I could try to do those meds with ultrasound/lab monitoring and try timed intercourse. DH's last semen analysis was normal and all my tests have otherwise been normal, I just don't think I ovulate. Thoughts?
I was also wondering if a monitored cycle was considered infertility treatment and if my insurance might cover the ultrasounds, etc. Anyone have experience with this?
TIA......
Re: Question about Monitored Cycle w/ Timed Intercourse & Insurance Limitations
You should also ask for a breakdown of costs, because you will need the meds for sure (femara and the trigger) and you will need the us and bloodwork so they know when to trigger. The only variable is how much the actual IUI procedure costs (washing the semen and the insemination)
IVF #1 -2016 March, antagonist, 5 eggs, 2 fertilized, 3DT - 8 cell and 6 cell no frag, chemical pregnancy
IVF #2 - 2016 June, micro dose lupron, 3 eggs, 1 fertilized, 3DT 6 cell, BFN
IVF #3 - 2016 November, estrogen priming + antagonist, 9 follicles, 3 eggs, none fertilized
IVF #4 - 2017 March, testosterone priming + micro dose lupron, 2 eggs, none fertilized
IVF #5 - 2017 May, A/ACP protocol, 4 follicles out of 7 seemed to get to required size, ovulated before retrieval, converted into IUI - BFN
IVF #6 - 2017 July, A/ACP protocol, 3 follicles one stopped growing, LH rising, converted to IUI - BFN
IVF #7 - 2017 September, antagonist, 5 follicles, 6 eggs, 3 immature, 3 injected, 1 fertilized, stopped growing day 3
When we first started our IF journey, we saw an RE and didn't really have a diagnosis for our IF, so *at our request* we did 3 medicated cycles with timed BD, so we could save up for the IUI's if it didn't work. I took Letrozole and Prometrium (which only cost me $10 w/ our prescription coverage) and then went to the RE for a few US each month. They also gave me the trigger in office, which I didn't have to pay for because it was considered a "sample". Insurance covered all US and BETA and I only ever paid copays during those 3 months. So all in all each month was roughly $100.
I would be open and honest with your RE. Ours is very understanding, especially when it comes to financially motivated decisions. They know that this stuff is pricey, and not everyone can spend $1k+ each month on treatments. So it's definitely something worth talking to your RE about. Hope this helped!
Me: 33 / DH: 30
Married: 10/19/13
NTNP since 2010 / TTC since 2013
DX: Unexplained
June 2014 – Aug 2014 (3 cycles): Medicated cycles >> Letrozole + Trigger = BFN
Sept 2014: IUI #1 >> Letrozole + Follistim + Trigger = BFN
Dec 2014: IUI #2 >> Letrozole + Follistim + Trigger = BFN
Sept 2016: Consult with RE, DH consult with Urologist
Nov 2016: D&C to remove polyps >> RE required 6 month break
May 2017: IUI #3 >> Letrozole + Follistim + Trigger = BFP >> MC/CP
Aug 2017: IUI #4 >> Follistim + Trigger = BFN
Oct 2019: IVF Consult
I ended up reaching out to my RE and she agreed to do 3 monitored cycles with meds and timed intercourse. I suppose we will see what ends up being covered or not and prepare for the IUIs in the near future if needed.
Hopefully your insurance covers most of it and your won't need the IUI's. GL and keep us posted!
Me: 33 / DH: 30
Married: 10/19/13
NTNP since 2010 / TTC since 2013
DX: Unexplained
June 2014 – Aug 2014 (3 cycles): Medicated cycles >> Letrozole + Trigger = BFN
Sept 2014: IUI #1 >> Letrozole + Follistim + Trigger = BFN
Dec 2014: IUI #2 >> Letrozole + Follistim + Trigger = BFN
Sept 2016: Consult with RE, DH consult with Urologist
Nov 2016: D&C to remove polyps >> RE required 6 month break
May 2017: IUI #3 >> Letrozole + Follistim + Trigger = BFP >> MC/CP
Aug 2017: IUI #4 >> Follistim + Trigger = BFN
Oct 2019: IVF Consult