Managing the cost of fertility testing…

posted 3 years ago in TTC
Post # 2
Member
348 posts
Helper bee
  • Wedding: April 2013

I don’t know about fertility testing specifically, but talk to them. The worst that will happen is they will say no. Sometimes you can get them to charge you what the insurance WOULD pay, which is a lot less  than they’d actually charge you. Sometimes you can get a sliding scale, sometimes you can get help if you can show financial hardship. There are options.

Can you get a different insurance, or sign on to your husband’s? Or buy a supplementary one? Assuming you’re in the US, medical insurance is definitely a pain, and requires a lot of time and effort to untangle, but you can do it if you’re motivated enough (which, most of us in these boards, tend to be) :D.

Post # 4
Member
256 posts
Helper bee
  • Wedding: May 2012

Peffy:  Oh good luck! That is really difficult.

What you said about billed and paid dollars is right – I actually work as an actuary for health insurance companies and the amount that doctors bill should be criminal!

I actually have a list of fertility procedure codes and what an insurer would pay for them with well negotiated rates. PM me if you’d like more information. Maybe something like that would give you negotiating with your doctors.

AND definitely do go into this thinking of it as a negotiation. Sadly, that is how healthcare works. If one clinic won’t give you a good rate, try another. Play one off another. It is an annoying game to play, but it could potentially save you $$$.

Good luck!

Post # 5
Member
100 posts
Blushing bee
  • Wedding: January 2015

Which insurances cover some fertility costs? i will use my sister as a surrogate because I am unable to carry but we will use my eggs. Everything seems so costly. I don’t plan on beginning this process for another two years so if I could find the right insurance, we would gladly change.

 

Thank you!

Post # 6
Member
2252 posts
Buzzing bee
  • Wedding: September 2014

Peffy:  labs all offer discounts for cash pay patients. The important thing is to ask your physician up front what the cost will be and which lab they use. Hospital labs pretty universally charge significantly more than the large commercial labs. 

Post # 8
Member
100 posts
Blushing bee
  • Wedding: January 2015

I live in Turkey but will maintain my insurance in the US until after we get the surrogacy thing going and I’m really comfortable with my doctors in the US so I prefer using them until my turkish language skills improve. It’s illegal to use a surrogate in Turkey.

Post # 9
Member
6655 posts
Bee Keeper
  • Wedding: August 2010

My HSG was covered because it was diagnostic.<br /><br />All of my CD1 ultrasounds and blood work were also covered because they were testing health of the reproductive tract/levels vs. testing fertility. All other scans I had to pay for; however, my RE had good rates for the routine things that I would go through: all blood draws were $10 and all ultrasounds were $150. The most expensive thing that we purchased were the meds; however, the online pharmacy, freedom pharmacy, is the pharmacy my clinic uses and they were relatively reasonable compared to regular pharmacies. I recommend asking for a treatment plan with all associated costs. Find out what is covered by your insurance and what isn’t. Your doc will be very familiar with insurance costs etc. and will be able to give you all required information!

  • This reply was modified 2 years, 8 months ago by  .
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