TTC after miscarriage / miscarriage support

posted 2 years ago in TTC
Post # 377
Member
2018 posts
Buzzing bee

tiffanybruiser :  I hope so too, but I am not feeling optimistic this cycle. I’m 7dpo. Unless I start getting some symptoms I might just wait and see if I get AF

Post # 378
Member
493 posts
Helper bee

tiffanybruiser :  I am excited for you too lady!!! In Canada we usuaully don’t get our first OB appointment until 12 weeks. I CANNOT imagine waiting that long- !  after 8 weeks you can pay 20 dollars to go to a 3rd party ultrasound provider – so I am for sure going to do that.  I am paranoid because the last time we found out via ultrasound….. So maybe i’ll do that at 8 or 9 weeks.  When is your first appointment??? 

lovebirds2016 :  We are cycle twins!!!! I am crossing my fingers for you too!  When I called my OB office to book my appointment her assistant was trying to date my pregnancy, she was like “when was the first day of your last period” i was like, I’m just going to stop you right there, my first day was DECEMBER 20TH, but my conception was 2 weeks ago…she was like “WOOAAAHHH” LOL.   I was nervous about the long cycle being a problem and my OB called me and said everything was great – do you know the reason for your long cycles?  mine was too much exercise and low estrogen, but looking at fertility friend it is the exact same as PCOS cycles.  

Post # 379
Member
7750 posts
Bumble Beekeeper

italianbride0508 :  Ok, crossing my fingers for you. Remember that lack of symptoms means nada! 

KB87 :  Woof yeah there’s no chance I could wait til 12 weeks. Glad you’re gonna be able to go in at 8 weeks – totally worth the extra $$ for the peace of mind. I’m not sure when my first appt will be, but I’m guessing it will be in the 6th week, so end of March hopefully. Just emailed my OB this morning to let her know I had a positive pregnancy test and request HCG betas. I’m sure my HCG is like a 15 right now lol but I want this pregnancy in the books from day 1 in case it goes south. When I met with my OB last month for my annual, she said she’d schedule my first ultrasound at 6 weeks because I have a history of MC. 

Post # 380
Member
2018 posts
Buzzing bee

Looking for opinions/thoughts/advice on a really fun topic…Health Insurance! 

Darling Husband just started a new job and his new health insurance plan is really great. If we both went on his plan (right now we are each on our own employer’s plans) we would save a lot of money (a few thousand). EXCEPT- it does not have ANY infertility coverage. NADA. And, if I were to switch to his plan, I would need to change to a different hospital system. My current doctors/hospital system are covered, but not preferred. To get all the cost savings, I would need to switch. The other hospital system is very good, not ‘the best’. The hospital system I currently go through is ‘the best’, but do I really need ‘the best’ for routine visits? I could always go back to ‘the best’ and it would be covered, just for a slightly higher cost. 

My insurance plan is more costly for normal care, but has really good IVF coverage. We spend a few thousand more if I stay on my plan, but we would obviously save a LOT if we were to go through IVF. 

Background info on our TTC journey-  BFP on our 4th cycle, MC’d 10/11 weeks. This is our 4th cycle trying post MC (5th cycle total after MC). Our 1 year TTC journey is in May. I have also already maxed out my OOP for this year (which ends in July) due to the MC costs. 

Darling Husband and I are going back and forth on it, but I would welcome any/all opinions. 

Post # 381
Member
2018 posts
Buzzing bee

tiffanybruiser :  I know you are right. But it’s hard not to compare everything to my BFP cycle. My BFP cycle I had so many symptoms that i never had before, I was pretty confident I was preggo before I got my BFP.  

Post # 382
Member
7750 posts
Bumble Beekeeper

italianbride0508 :  When would you switch to his plan? Would you have to make the switch now or could you do it during open enrollment? You’d def wanna reap the benefits of having maxed out your OOP with your current plan before switching to DH’s plan, right?

Ok other thoughts: what’s the soonest you think you’d  go the IVF route? You guys haven’t been trying all that long since the MC so I’d think there’s still a really good chance you’ll get pregnant on your own before too long. What if you switched to your husband’s plan this year to cut down on insurance costs, and then if you aren’t able to get pregnant this year and decide to pursue IVF, you go back on your plan during the next open enrollment in a year or whatever?

Post # 383
Member
2018 posts
Buzzing bee

tiffanybruiser : i would have to switch in the next few weeks. Our open enrollments don’t match up (mine is in spring and his is in fall), so if we don’t switch now, we would need a life event to trigger the change. I would ‘lose’ the money I maxed out this year, which sucks. But, we would save money long term if we were both on his plan. I also called and talked through L&D costs with his health insurance company and they are SIGNIFICANTLY lower than what I would have paid on my plan. 

So basically, if we get preggo on our own, we’d save a shit ton on  if both on his plan. If I stay on my plan and get preggo on our own, we pay a lot in L&D costs/maternity care. If we both go on his plan now and need IVF, I would have to drop off his insurance during an open enrollment period, get a 6 month policy somewhere, and then open enroll back on my insurance to get the IVF coverage. Which would suck because that period of time I’d be on a weird policy I wouldn’t want to get preggo. So, that would cause us a 6 month wait basically waiting to be able to get back on my insurance. 

I know it’s probably irrational but I have just really been trying to set my mind to the fact that we may need infertility treatment/IVF and I’ve been looking into the costs so we can save up. It freaks me out a bit to go to a plan with NO coverage whatsoever. obviously anything could happen and I could get preggo next cycle and it’s all a moot point. 

Post # 388
Member
9567 posts
Buzzing Beekeeper
  • Wedding: July 2016

italianbride0508 :  if it’s your work plan you can switch back next open enrollment. Most poeple try meds for 3-6 months than iui for 3-6 months before going to ivf.  If you feel you could give meds and iui a shot first before ivf then perhaps switching is NBD, as you could switch back at next open enrollment.

Just one thought.

Fwiw I’m on the med portion and so far everything has been covered by my insurance.. which will not cover infertility. The finance person said that’s normally what she sees.. insurance covers everything at first, then if we move on to iui it often covers some stuff but not others.. and by ivf you’re basically on your own.

Post # 389
Member
224 posts
Helper bee
  • Wedding: August 2016

KB87 :  My cycles have been a mess since my miscarriage. They were between 36-40 days before the miscarriage and since they have been about 65-70 days and I miscarried in November. That’s awesome that everything looks great even with a longer cycle. Currently 5DPO and feeling kind of meh. Hoping I’m not getting sick again. 

Post # 390
Member
9567 posts
Buzzing Beekeeper
  • Wedding: July 2016

italianbride0508 :  oh, read your more recent post: i think you can leave insurance at any time.. it’s only enrollment that requires a life event.  That or getting your own insurance may count as a life event? I’d check. 

 

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