-Mrs Red
Saturday, April 14, 2012
Insurance...
I've spent the morning crying because I just found out we reached our lifetime max for fertility medication. The lifetime max is only $5k! How I'm grateful I haven't had to spend that out of pocket til now, I am extremely upset that my medication is going to be $1200 this cycle and if, God forbid, it doesn't work, it will be 100% out of pocket in the future, how I let this information slip by me is beyond me! I want to kick scream and cry at how greedy the pharmaceutical and insurance industry is. I didn't choose for my body not to work and to have to go this route, I'm not being greedy trying to play God, we have tried and tried traditional methods and numerous less intrusive means. I was so excited yesterday to find out the procedure will be less than I thought and though "wow now we have money for cryo" but now that money "saved" is going above and beyond what we were expecting for meds. I'm just so... Defeated right now... My loving husband said its ok and we will still do it but it's the principle I'm mad at! I know I should be grateful I have any insurance coverage at all because so many people don't have any, but I'm mad for that too! Why do we have to have a maximum on it? I don't want to get into a political debate, so I'll end there, I'm just frustrated and disappointed. Also, I want to send the warning out to everyone that has insurance coverage to not forget to pay attention to your prescription coverage, it can sneak up on you!
-Mrs Red
-Mrs Red
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Wow. That sucks. I didn't know they could do that! Thank you for the warning because I will definitely have to keep that in mind and keep an eye out when we start going through the procedures again.
ReplyDeleteThey can totally do that! Texas doesnt require all insurance companies to even have fertility coverage!
ReplyDeleteI'm so sorry. I don't get it either, we have never been able to atain infertility coverage with health insurance. We have paid everything out of pocket for two years. But I promise - when it works its is all worth it and it doesn't even matter anymore. I understand how difficult it is to make decisions with money controlling the situation. Just remember with IVF you meds dosage may change (up or down) depending on how you respond and the number of days you need lab work and ultrasounds will also change depending on you respond. TRY not to get worked up or upset. You're paying a lot of money for IVF and want the best possible results. I really HIGHLY suggest doing cyropreservation. This will give you twice as many if not triple as many chances for more frozen embryos. You'll have to pay the storage but the storage and the FET is WAY cheaper than doing another fresh cycle....Just a thought. I hope everything works out for you I'm praying for you and the best possible results.
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