- 4 years ago
- Wedding: October 2013
AFM, I have my first u/s and b/w on Thursday. Estrogen is going ok, easier than I thought at nighttime. I have very little medication leaking out so I hope that’s a good thing. I want to call my clinic and make sure I don’t need a full bladder on Thursday morning.
Later today I am having some dental work. Want to get it out of the way before transfer.
Have a great day, ladies! 🙂
I just need to vent! I had my first infertility appointment about 1.5 weeks ago. We found out that we are going to have insurance issues with any treatment we may need. Our insurance will change Jan 1, 2017. Until then, our insurance will cover any infertility diagnostics and/or treatments with a $10,000 lifetime max. We just found out that the new insurance, which is the only plan available for the union my husband is in, only pays for the diagnosis and treatment of any underlying cause of infertility. It doesn’t cover any IUI’s, IVF treatments, or any kind of fertility medications needed for those procedures. I’m so nervous to possibly be given a diagnosis of unexplained infertility, meaning there wouldn’t be anything that we could do unless we wanted to pay out of pocket. If I don’t get pregnant this cycle, we will only have time for one IUI cycle before our insurance changes. I feel so discouraged with all of this. I’m trying to stay positive, but it is so much easier said than done. Is there anyone with insurance that doesn’t cover fertility treatments that can offer some advice on how to handle this situation? Is there anything else I can do?
Thanks for the kind thoughts everyone. Beta officially negative. I’m meeting with the new doctor next week and will hopefully come up with a new plan (he’s a highly reputable doctor at my current clinic). We are out of embryos so we have to start from scratch. I’m sad and frustrated that all our money, time and needle pokes have resulted in nothing thus far but there’s nothing left to do but move forward.
We used our savings to pay for 4 IUIs. We took some time in between IUI cycles to save some money/recover the money we lost. We used first steps program which gave some discount in meds for the IUIs.
For the IVF, we waited about 10 months which allowed us to pay off some debt and save a bit of money. Then we literally emptied our bank account to pay for IVF, meds, and hysteroscopy. We only had a few hundred left in our accounts. Some people take out loans. We called our credit card companies to lower interest rates on our cards and increase the maximums just in case. Thankfully, we didn’t need to rely on them. We used compassionate care and first steps for some discounts, and some ladies were gracious enough to pay it forward with their meds.
IF is so unfair, not only for the emotions and heartache, but the planning and financial aspects of it all too. Our first FET failed, and we are getting ready to start a second one soon – so I am in the process of ordering all of my meds (and any “refills” I have left for stim meds too) since they are covered. Has your RE given you a dx/treatment plan? Since your insurance is covering through Dec 31, would you consider doing IVF sooner if time allows – before the end of the year when things can be covered? If not, I would look into what your deductible and OOP max are – if low enough you might benefit similarly to how I have this year. Otherwise, as PP mentioned, look into compassionate care progrmas, shared risk situations that your RE might offer, and applying for fertility grants. I know it is not necessarily what you want to hear, but knowing this information now vs later gives you time and flexibility to plan and save accordingly. Personally, I was more comfortable with our decision to put TTC on hold for 4 months when we were actively trying to save/had a plan. Best of luck.
Confirmed chemical pregnancy with a negative beta today. The doctor himself called us instead of our nurse which was nice. He said he was shocked it didn’t work, and he told us he didn’t see any reason to wait before our FET cycle. How long do FET cycles take? We are going away out of the country Christmas Eve through New Years, so I wonder if we will be able to fit in a cycle before then. I’m also not opposed to taking a break (physical and mental).
Does anyone want to start a new thread? I think we need a fresh start to help kick off some good news for a change!
I’ll start a new thread 🙂 I was just thinking about that and could use the luck!
The topic ‘1 Year + TTC/TTC with Infertility– Part 29’ is closed to new replies.