I'm pretty sure every infertile has it (and plenty of those without IF issues)... I really tried to be more patient this cycle...
But I caved... I tested at 10dpIUI and got a negative... 12dpIUI negative again.
I know there is a good chance that I ovulated those three eggs between CD13 & 15 (IUI was on CD13, trigger CD12 AM), so my brain understands that this may have been too early to test... but the practical side of me is assuming I'm not knocked up and planning what comes next.
What I learned today...
Our Medical FSA will be exhausted after we pay for our current cycle until October 1 (new plan year). We have approximately $1500 left of insurance coverage for IF (paid at 50%). I called the clinic to get a coded list of all the billings since this journey started AND I called the insurance company to get a detailed list of EOB's since January 1, 2011. This way, I can compare all the IF payments and make sure we don't lose out on any benefits due to improper coding.
What else I learned today... One cycle of IVF is $8850 + meds ($2-$4K). A frozen embryo transfer (FET) is $1250.
In hindsight... I could have jumped in with one shot at IVF... between our insurance coverage and what we've spent so far, we could have funded ONE IVF cycle... If only we could know these things in advance... at my age, in my health, with my stats... I'm an "excellent" outcome for IVF so the chance of one shot working is high. At this point, we just can't afford it. Maybe, if we save our kiesters off we could afford a cycle in a year. However, by the end of 2012, I will be 35 and my success rate will drop dramatically.
I just don't see it ever being an option for us... neither is private adoption because the cost is insurmountable in our current situation. We have other things that all our extra money MUST go to in the next 12 months in order to avoid selling our home when the co-owners want bought out (looooong story) early next year.
If I had the option, I would increase my work load to net as much income as I could in the next several months... however, I'm regulated by the state and can't increase my load. Since DD is a teacher, his salary is capped (not to mention the pay cuts he's taken each of the last three years). So, barring a miracle this may be the end of the road for us.
I know that technically we aren't out until AF shows up (this weekend... while we are at a much needed weekend retreat).
Symptom wise, here's where I'm at:
Skin breakout, HOLY CRIPES. My chin is a cystic volcano mess. Ouch.
Heartburn (constant)
Slight cramps here and there (since 3 or 4dpIUI)
Sore breasts
Bloating
Lots of watery and creamy CM
Sensitivity to smells
Not emotional (this is very odd considering the hormonal drug induced rage I normally have at this point in my cycle).
Craving LEMON, this has never happened before. It's been unbearable for the last 3 days. I bought a giant bag of lemons at Costco...
Barring the negative pee sticks on 10 and 12 dpIUI, I'd swear this lady was knocked up... given those tests I'm thinking this is all drug induced (and perhaps related to high progesterone from 3 follicles forming CL cysts).
Showing posts with label insurance for infertility. Show all posts
Showing posts with label insurance for infertility. Show all posts
Monday, March 5, 2012
Tuesday, September 13, 2011
The Cost of Infertilty PRE-ART
Who said baby making was inexpensive? Since we follow NFP and therefore didn't purchase birth control, I'm not saving anything there. (Some of you may be saving $360+/yr, I save that every year anyway).
Our infertility related costs will be covered at 50% by our insurance company (including IUI and IVF) with a $5,000 lifetime cap. So, we might get one round of IVF paid for at 50% if we don't exhaust our lifetime cap with diagnostics testing and IUI before then. Some medications will be covered at 50-90%, we won't know which ones until our prescriptions are in hand.
Our fertility related expenses so far~
Pre~Seed $19.99 (monthly)
OPK's $20-$33 (monthly)
Prenatal Vitamins (food based, organic) $28.00 (every two months)
Other supplements for Manic Mama $75.00 (every two months)
Supplements and vitamins for Devoted Daddy $50.00 (monthly)
Pregnancy tests $20.00 (monthly because I'm pee stick obsessed)
Preventative yeast treatments (for end of AF) $15.00 (monthly)
Acupuncture for Manic Mama $65.00 (weekly)
Online fertility charting $50 (annual)
Pre-pregnancy dental exam/cleaning $85.00 (every one should have this, insurance pays 70%)
Regular gynecologist visits (3 so far totaling $167.00 out of pocket)
Lab work for Manic Mama $584.00 (funny, insurance doesn't like to cover infertility labwork)
Lab work for Devoted Daddy $112.00 (ditto above statement)
Infertility books $100.00
When our clinic appointment rolls around in October, we will pay $200 for the first visit (normal fee is $400). We are anticipating minimal/no testing in the beginning because our tests to date have already given a clear picture of what our issue is. We may opt for a hysteroscopy to make sure my uterine lining is not severely damaged from the previous surgeries. Our fear is conceiving and losing the baby (possibly late in the pregnancy) due to uterine damage. How this procedure will be covered by insurance we aren't sure... is my old insurance responsible since it's assessing damage from a previous surgery covered under them? Will my new insurance cover it as a medically necessary procedure (based on pain/cycle issues) or will it fall under infertility diagnostics?
I have researched standard pricing for many IF treatments, but the cost of our IUI will depend on a lot of factors including medications and monitoring.
Our infertility related costs will be covered at 50% by our insurance company (including IUI and IVF) with a $5,000 lifetime cap. So, we might get one round of IVF paid for at 50% if we don't exhaust our lifetime cap with diagnostics testing and IUI before then. Some medications will be covered at 50-90%, we won't know which ones until our prescriptions are in hand.
Our fertility related expenses so far~
Pre~Seed $19.99 (monthly)
OPK's $20-$33 (monthly)
Prenatal Vitamins (food based, organic) $28.00 (every two months)
Other supplements for Manic Mama $75.00 (every two months)
Supplements and vitamins for Devoted Daddy $50.00 (monthly)
Pregnancy tests $20.00 (monthly because I'm pee stick obsessed)
Preventative yeast treatments (for end of AF) $15.00 (monthly)
Acupuncture for Manic Mama $65.00 (weekly)
Online fertility charting $50 (annual)
Pre-pregnancy dental exam/cleaning $85.00 (every one should have this, insurance pays 70%)
Regular gynecologist visits (3 so far totaling $167.00 out of pocket)
Lab work for Manic Mama $584.00 (funny, insurance doesn't like to cover infertility labwork)
Lab work for Devoted Daddy $112.00 (ditto above statement)
Infertility books $100.00
When our clinic appointment rolls around in October, we will pay $200 for the first visit (normal fee is $400). We are anticipating minimal/no testing in the beginning because our tests to date have already given a clear picture of what our issue is. We may opt for a hysteroscopy to make sure my uterine lining is not severely damaged from the previous surgeries. Our fear is conceiving and losing the baby (possibly late in the pregnancy) due to uterine damage. How this procedure will be covered by insurance we aren't sure... is my old insurance responsible since it's assessing damage from a previous surgery covered under them? Will my new insurance cover it as a medically necessary procedure (based on pain/cycle issues) or will it fall under infertility diagnostics?
I have researched standard pricing for many IF treatments, but the cost of our IUI will depend on a lot of factors including medications and monitoring.
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