ART & Insurance billing question...

iVillage Member
Registered: 02-19-2007
ART & Insurance billing question...
13
Thu, 09-30-2010 - 8:35pm

Im trying to work around my DHs annoying/lame insurance & their lousy loophole. I live in a state with one of the best coverages for infertility yet Im not covered.

Im curious for those of you who have had some kind of ART, when your husband's part is taken care of do they bill it to HIS insurance or is it all considered a 'package' under YOUR insurance?

KWIM? I realize most ppl have same insurance so its hard to tell, but I know DH had to give his ins. card for the karyotyping we had done & was billed to him. Im assuming they would break out sperm washing, etc.. & bill to him. Im hoping they wouldnt though.

Im looking into dropping DHs plan & getting my own individual plan

*mindy*

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iVillage Member
Registered: 07-28-2009
Thu, 09-30-2010 - 8:47pm
You're right - it was hard to tell. We gave them both our insurance cards. I ASSUME that they billed his insurance on behalf of him specifically for his semen analysis etc. I don't think my ins would have paid for it if he didn't have ins of his own.
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iVillage Member
Registered: 02-19-2007
Thu, 09-30-2010 - 8:53pm

Ya that makes sense.

Any guess on how much 'the man part' cost?
Do they do sperm washing with IUI?










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*mindy*
iVillage Member
Registered: 07-28-2009
Fri, 10-01-2010 - 8:40am
Yeah they do sperm washing with the IUI and the man's part isn't much; maybe a couple hundred dollars. It's the women's part that is most expensive. Let's just put it like this - an IUI costs $555 for me. That includes sperm washing and insemination. No blood work or u/s. They don't typically do an u/s or b/w the day of the IUI.
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iVillage Member
Registered: 02-19-2007
Fri, 10-01-2010 - 11:04am

Thx for info.
Do they do other monitoring with IUI?

I dont think IUI is way to go for me, given that I think I have old eggs Id probably just end up with another m/c










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*mindy*
iVillage Member
Registered: 07-28-2009
Fri, 10-01-2010 - 11:13am

Well, there are all kinds of different ways to go about IUI. You can go the less aggressive route and do an IUI when you get a + OPK which requires no monitoring at all or you can go as aggressive as injectables with IUI which requires around 6 or more monitoring appts. Or you can go in the middle and do Clomid or Femara with IUI which is one MAYBE two monitoring appts but some don’t require any monitoring appts at all. You just wait for a + OPK. The theory behind IUI leads one to believe that it SHOULD work. I mean, you are dropping those bad boys RIGHT next to the egg for crying out loud! But the odds just don’t increase that much. That is why when we ran out of money for injectables cycles I was thinking about just doing one IUI when I got a + OPK, I decided against it. It just doesn’t increase your chances enough to make it worth the $500 a month for me. For me it’s IVF or bust. And it may be bust because I don’t know for sure I will ever have the money for IVF.

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iVillage Member
Registered: 02-19-2007
Fri, 10-01-2010 - 11:27am

Wow.
Ive never really looked into other options as Ive always said I won't go that route.
I shouldnt be surprised that now thats what Im thinking about.

I just feel so darn broken and POd that I cant do this anymore.
I ate whatever I wanted, drank coffee, etc... when I got pregnant w/DD.
Granted I was going thru a exercise phase & was taking 2 classes/wk on top of being 3 yrs younger. Its just a lot of swear words, thats what it is.

Im also getting annoyed with RE at this point. I was reading my Making Babies book, that talks about LPD & progesterone issues for cause of early loss. I mean I can solve it & I will by jacking up my dose myself its just annoying that Dr doesnt give a poo.

I just cant believe I was friggin pregnant for 30 secs again.










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*mindy*
iVillage Member
Registered: 07-28-2009
Fri, 10-01-2010 - 11:38am

Oh Mindy, you know you are so preaching to the choir about feeling broken. I honestly feel like in my heart of hearts, I have given up. Not TTC in general but given up on any real hope. I go through the motions…OPK’s, temping, DTD when I am supposed to but no real part of me believes this is going to work out for me anymore. I might just be doing it out of habit now…I am really just waiting to burn out and give up completely.

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iVillage Member
Registered: 02-19-2007
Fri, 10-01-2010 - 11:50am

Ya I know you know what its like or more so...

I give you big props for still going...I can honestly say I dont think I will be in a few yrs. I may not try not prevent & see what falls. My head is so full of mush now. Id like to say I dont care what happens, but I do. If I could say if it happens great that would be wonderful but right now Ill always feel that pull when I see a pregnant woman or a baby.

At times Im determined & Im not gonna let the m/cs win.

I think I will start searching to see what other options I have for Drs with my crappy insurance.










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*mindy*
iVillage Member
Registered: 03-21-2007
Fri, 10-01-2010 - 12:25pm

Mindy - I know what you mean about feeling broken.

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iVillage Member
Registered: 07-28-2009
Fri, 10-01-2010 - 12:32pm
I know there is no medical reason to believe this but I feel like if I could get pregnant on my own I might be able to hang onto that one. Almost like my ART pg's were forced on my body when it didn't want to do it just yet and they didn't start out healthy for that reason. I feel like if we could get pregnant with no drugs, no IUI's that it would be a strong pg but I have very little hope that I will ever be able to get pg on my own based on the last five years.
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