I'm sorry, you're going to pay for what?

iVillage Member
Registered: 02-11-2008
I'm sorry, you're going to pay for what?
15
Wed, 04-22-2009 - 11:29am

Quick recap...my company switched insurance carriers at the beginning of April so I waited to go to the new RE because they accept the new insurance.  I figured I would save a few bucks where I can on all of the IF appointments.  About a week ago, I had a chat with my benefits administrator about IF coverage and initiating the process for approval but not expecting much since it implicitly states that the plan does not cover anything associated with donor procedures.  I spoke with the IF Unit at the insurance company and they offered to investigate possible coverage becuase I have POF and really have no other options besides DE.


Fast forward to this morning...I get a call from the rep in the IF Unit and the insurance company has decided that they are going to cover everything after ER for me.  That means that DH and I are on the hook for all of the donor expenses out of pocket but we don't have to pay for my parts of the procedure.  I had to keep asking this poor woman to re-explain because I didn't believe what she was saying.  While we still have donor fees, meds, etc to pay out-of-pocket, we will be saving $8,000+ on the cycle based on the fee chart I got from the clinic.  I had to close my office door so I wouldn't start bawling in front of the whole hallway.  This means we should be able to go solo on our cycle since the extra charges should be about $8,000. 


I called DH and had to explain it to him a couple of times because we're both in a bit of shock.  I still have to call the administrator for our prescription plan to see if they cover any of my meds but I hate to put a damper on my happy buzz so I think I'll call tomorrow.  I guess this is meant to be, right? 

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Isabel
Mom to Sebastian Robert after 3+ years of infertility

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iVillage Member
Registered: 01-31-2008
Wed, 04-22-2009 - 11:38am

Incredible news Isabel!!!

That is the last thing you expect to hear from an insurance company. I think you're right, this is MEANT to BE!

You should also go buy a lottery ticket today, you've got some good mojo working!

Kelly


iVillage Member
Registered: 04-05-2009
Wed, 04-22-2009 - 11:50am

HOLY CRAP Isabel, that is fantastic news! OMG, I would have totally broken down bawling myself. How exciting. I know it has to be a huge load off your minds!


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Faith (35) Matt (40)

iVillage Member
Registered: 01-13-2009
Wed, 04-22-2009 - 11:51am
That is AMAZING news Izzy!
After struggling with infertility, we welcomed our son Noah on March 18, 2010! Formerly a teacher, I am now a breastfeeding, babywearing, stay at home Mom, and I couldn't love it any more!
iVillage Member
Registered: 09-28-2006
Wed, 04-22-2009 - 12:18pm

Yeahhhhh!!


Thats great news! Must be a big relief! Sometimes everything seems to fall into place, seems this is just that time for you!


Cynthia

iVillage Member
Registered: 02-11-2008
Wed, 04-22-2009 - 1:23pm
Played the mega millions with the office last night but we didn't win.

Isabel
Mom to Sebastian Robert after 3+ years of infertility

iVillage Member
Registered: 02-11-2008
Wed, 04-22-2009 - 1:25pm
I managed to keep from brreaking down in a heap but couldn't stop shaking.

Isabel
Mom to Sebastian Robert after 3+ years of infertility

iVillage Member
Registered: 02-11-2008
Wed, 04-22-2009 - 1:27pm
Just proved that you should ask if the insurance folks cover anything.

Isabel
Mom to Sebastian Robert after 3+ years of infertility

iVillage Member
Registered: 02-11-2008
Wed, 04-22-2009 - 1:30pm
I was just complaining about things never feeling like they fall into place.

Isabel
Mom to Sebastian Robert after 3+ years of infertility

iVillage Member
Registered: 07-29-2008
Wed, 04-22-2009 - 2:36pm

It is definitely meant to be!!!!

Me-30, DH newly 34, diagnosed with PCOS in Nov/Dec 2008. 3 Failed cycles of Clomid. (50mg, 100mg, 150mg) Started working with RE Nov 26. Asked for & started M

iVillage Member
Registered: 01-13-2009
Wed, 04-22-2009 - 3:40pm
I'm going to be calling my insurance now.
After struggling with infertility, we welcomed our son Noah on March 18, 2010! Formerly a teacher, I am now a breastfeeding, babywearing, stay at home Mom, and I couldn't love it any more!

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