please please please

let this IUI be successful.

I checked the mail today, and there was information that our insurance benefits will be changing as of January 1, 2006.

Guess what? Absolutely NO infertility coverage as of the beginning of the year. And NO, I can’t purchase a rider.

I know we were lucky to have coverage at all. But now nothing – not even testing will be covered. No semen analyses, ultrasounds, IUIs. NOTHING. So that means our current monthly expenditure of about $250 for the IUIs (Clomid, Ovidrel, copays, and the sperm wash – “out of network” so not covered) would increase to about $1000 per month. We can’t afford that. Especially if we were trying to save in the event that we have to move to IVF.

I called the doctor’s office to see if they had heard anything about it, and they hadn’t yet. Of course, I started crying on the phone.

The doctor called me back, and I cried some more.

We are going to “expedite” the scheduling of my cervical dilatation procedure, and do a few more things while I’m there. I am supposed to call tomorrow to schedule surgery if (when?) my period shows up. So the week of November 14th, we would do the cervical dilation, a hysteroscopy (have to consult Dr. Google on that one), and a laparoscopy (rule out endometriosis).

Then *hopefully* one more IUI cycle and maybe a consult appointment before the end of the year.

I don’t like having to rush this stuff – I wanted to do each step as it was appropriate, not because I can’t pay for it later. FUCK.

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~ by Larisa on November 1, 2005.

7 Responses to “please please please”

  1. Oh Mrs. Hope how VERY frustrating… it feels so daunting, the thousands of dollars looming before those of us who don’t have coverage. My coverage ran out long ago. Is there family who can help you out? It’s terrible to ask for the help, but this is more than a couples issue. It truly is a family issue.

    I hope this last IUI is the answer to your prayers and your dreams come true. I hope that you don’t have to think about IF expenditures, and only have OB issues to deal with.

    I will pray and pray… I wish I could do more.

  2. Mrs. Hope,

    I am absolutely in tears learning your news. My thoughts and prayers are with you right now.

  3. I’m so sorry you are losing coverage. Fingers crossed you won’t need it.

  4. Mrs. Hope I’m so sorry. This insurance thing is a nightmare. I will also cross my fingers that you don’t need it.

  5. That sucks 😦 My insurance doesn’t cover anything related to IUI or IVF either. My IUI cycles have cost about $800 each.

  6. That sucks. We haven’t had any IF coverage other than state-mandated coverage of IF testing–which in our case included the lap. Our IUI cycles cost about $500, I think. My doctor didn’t have us do the mid-cycle sonogram, which I think was not good.

    Always at least send your bills in to the insurance and have the doctor’s office do it. It’s weird what they will cover and what they won’t. Insuraance paid for the Lupron because it’s covered for men with prostate cancer.

    Email me if you want more details and info on the less expensive place in the other city.

  7. Mrs. Hope,
    That SUCKS completely. The insurance issues in our country are so unfair. To think insurance decides if and when we can be a parent. It sucks.

    Praying for this cycle.

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