Hope you are able to get everything straightened out.
Erin, I'm so excited for you!! That's a bummer your plan claims to cover your drugs when really they don't. I agree with other ladies, waiting is really, really hard...but once you are ready to go, man, does it go fast and ever so busy!!
Erin- I've been following your story so excited for you that your IVF cycle is right around the corner! Hopefully time will fly by.
I totally understand what you are saying about the cost. We will have to pay out of pocket as well. I picked up the paperwork from my RE today to start filling out the forms and I got the paper with the cost breakdown. Yikes. In the end- it will be so worth it!
DH Andrew, 31
TTC #1 since April 2010
3 IUIs = BFNs
9/12 IVF #1= BFN
12/12 IVF #2= BFN
It is so hard to make it from the consultation to the ER... *sigh*... then the few days of waiting to find out about the ones left behind in the lab... will they make it? how many?
IVF is so full of stress. I really admire women that have gone through it multiple times.
My insurance sucked with coverage. I too had 100% co-pay but on everything. Super fun.
I know, I'm not alone at all. I just think---it's so unfair what is covered and what is not and the basis for those decisions. And like I said, I'm a corporate lawyer--I work for an insurance company (agricultural, not health) so I *understand* the policies, but I am grouchy at my employer for not realizing this is an important enough issue to at least offer the coverage. I would happily pay more for it. But--I digress! My husband is great and keeps reminding me "it's only money" and he's right--BIG PICTURE.
Meg--I'm watching you too! We've been around for about the same length of time. I think you're right--I think the time will go quickly. It already has a little because now I know when we will start and so time is not longer measured for me in two week increments. I get to have a normal sex life for two months! It's actually made it a lot easier in that regard!
I think (although you need to check with your insurance company to be sure) that by saying they are covered with 100% copay, it means that although you have to pay OOP (which definitely stinks) it will count towards your OOP max. It is still a big chuck of change to GET to whatever that number is for you, but once you go over it, it sounds like they will start paying then.
Check with them and see what they say.
Erin, there was a thread at the top of the clomid board with some pharmacies you may want to get a quote from since you have a little time. I didn't use the local pharmacy either (except for some PIO one time). Also, check online with the company that produces Follistim. Sometimes they have discounts for OOP customers. And remember to hold onto all your receipts for tax time. I think medical costs have to be 7% of your income before they really matter, but IF costs add up fast!
I hope your first cycle is a success!
Jean--thanks, that's a good point. I've left a message with them to ask. The issue might be that my health plan covers exactly zero for fertility, so it's possible that the "cap" that applies to everything else doesn't exist as to fertility drugs. But, it's worth asking, for certain!
Beth: Thanks, I'll check it out. Yes, I'm counting on tax time because I know we will have no issues meeting that threshold. I already had one surgery this year! :/
Erin, I wish you the best of luck on this exciting journey! I'm going to be stalking you for sure! Good luck!