For those of you who read this who aren't interested in conception, stop reading. ;) For the others, WTF? I'm two days late. I'm never late. This wouldn't be a big deal, but the lateless has invited hope to my house and um, we don't really get along that well. She's screwed me too many times to count. And I told her not to come back until I can get on an IVF calendar in the fall. Why is she messing with me???? Why now?
In other news, I got written confirmation today that the new insurance does in fact cover IVF. Unless my doc is really good at working the insurance company, I doubt it will cover the whole thing (there is a $5K per person lifetime limit), but it will seriously save my butt financially. We just could not afford to pay for it on our own. So I will take the coverage they have offerred and be thankful. Some really is better than none.
And if this whole late thing pans out to be the very very unexpected, I might die laughing at the joke. Switch insurance to get coverage and find out you are pregnant? That is a piece of assvice even I haven't heard before.
Showing posts with label ivf. Show all posts
Showing posts with label ivf. Show all posts
Thursday, August 23, 2007
Tuesday, August 14, 2007
Big News, not BFP big, but still big
I got great, surprising news today and I’m so excited about it I feel like a new, different person. My employer is changing insurance plans and one of the new options is a plan that includes some coverage for IVF. I’m shocked and thrilled and more excited than I have been in years.
Scott and I have been TTC since January 2005 and did a full year of treatment (8 medicated cycles, 6 with IUI) before realizing a year ago we needed IVF. We started the process and chose a doctor but we never completed all the lab work or signed up for a cycle because we didn’t and don’t have the money to pay for it. It has eaten away at me every single day for the last 18 months (when I first realized drugs and IUI alone weren’t going to fix it). Every single day I’ve worried and stewed and cursed the gods about it. I’ve cried a million tears about it. We decided along the way that I would borrow the money from my 401K to pay for it but since making that decision I have stalled and delayed. It just didn’t feel right. Before we ever started IF treatment I decided I wouldn’t do IVF because it felt like too big a gamble with our future. When I realized it was the only way to get pregnant I changed my mind but the gambling our future thing gnawed at me.
Until today. I was ready to skip open enrollment and stick with our reliable, cheap HMO. Then I hear a rumor about chiropractic benefits under the new plan and decided I should investigate, hoping it would save us a few thousand dollars a year. By the time it is all said and done, I think in one twelve month period the new plan will save us about $15K. We’ll get some coverage for IVF, coverage for chiropractic care, plus acupuncture and the special nutritionist my IVF doc recommends.
Once I realized what switching would mean for us, and for our future, I sat at my desk and cried. I prayed and dreamed about the day that we’d be able to do IVF and not go broke. I didn’t think it would come. I was starting to daydream about not doing it and moving on with adoption. I was doing okay and had put off thinking about it or doing anything until after our trip to Paris (booked using miles) in October.
Instead I need to quit caffeine ASAP and get an appointment with my doc for September. I hope and pray this is the year we get our Christmas miracle.
Scott and I have been TTC since January 2005 and did a full year of treatment (8 medicated cycles, 6 with IUI) before realizing a year ago we needed IVF. We started the process and chose a doctor but we never completed all the lab work or signed up for a cycle because we didn’t and don’t have the money to pay for it. It has eaten away at me every single day for the last 18 months (when I first realized drugs and IUI alone weren’t going to fix it). Every single day I’ve worried and stewed and cursed the gods about it. I’ve cried a million tears about it. We decided along the way that I would borrow the money from my 401K to pay for it but since making that decision I have stalled and delayed. It just didn’t feel right. Before we ever started IF treatment I decided I wouldn’t do IVF because it felt like too big a gamble with our future. When I realized it was the only way to get pregnant I changed my mind but the gambling our future thing gnawed at me.
Until today. I was ready to skip open enrollment and stick with our reliable, cheap HMO. Then I hear a rumor about chiropractic benefits under the new plan and decided I should investigate, hoping it would save us a few thousand dollars a year. By the time it is all said and done, I think in one twelve month period the new plan will save us about $15K. We’ll get some coverage for IVF, coverage for chiropractic care, plus acupuncture and the special nutritionist my IVF doc recommends.
Once I realized what switching would mean for us, and for our future, I sat at my desk and cried. I prayed and dreamed about the day that we’d be able to do IVF and not go broke. I didn’t think it would come. I was starting to daydream about not doing it and moving on with adoption. I was doing okay and had put off thinking about it or doing anything until after our trip to Paris (booked using miles) in October.
Instead I need to quit caffeine ASAP and get an appointment with my doc for September. I hope and pray this is the year we get our Christmas miracle.
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