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