Post # 1
My insurance doesn’t pay for fertility testing. At all. The only thing it pays for is the intial diagnoses of infertility. I know that we can try to get some of the lab work paid for (so far all of the labs drawn on me have been covered), but I’m pretty sure the HSG and all the things done to Darling Husband won’t be paid for. Did any of you haggle with the doctor’s office/hospital to try to knock down payments? I know that sometimes they will work with you if you’re a cash paying patient, which we will be. I’m just curious to see if anyone else has tried to work with the offices to get the price down some since it’s kind of ridiculous that they won’t pay for ANYTHING related to fertility.
Post # 2
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 # 3
CraftyBelka: Oh, I definitely intend to ask! I find there’s no harm in trying. Honestly, I can’t show hardship, because there really isn’t. However, paying thousands to get pregnant just seems…absurd. It’s the one thing in life that SHOULD be free to do! Plus, I KNOW that insurance companies pay much, much less (example: my last blood work was filed for $1200 with the insurance…they paid $350. Uh…) so hopefully I can haggle with them there. We’ll be cash paying, so I’m HOPING that that will be an incentive for them to drop the price for us.
And my husband’s insurance is the same as mine: they don’t pay anything after the initial diagnosis of infertility. Basically, they pay for the first visit to the RE, but that’s it. No testing, no ultrasounds, no HSG, nadda. It’s lame.
Post # 4
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 $$$.
Post # 5
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.
Post # 6
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 # 7
ALSWM: Are you in the US? It really just depends. I know that certain states mandate some aspects of fertility treatments and what have you, but I don’t know how much would be covered (if any) for surrogacy. If you want to know about what each insurer covers, you will have to call the individual the different companies and ask about their different policies.
WestCoastV: Oh, definitely. I know my original OB/GYN said that the HSG was $800 at the hospital here, but she won’t be the one ordering it since I’m going to a new doctor AND the RE. But if I find out that the cost is much higher here, I might find out if they can order it here instead. I’m all about doing some work to get the cheapest price.
Post # 8
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
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!