Currently, I have Blue Cross PPO. Since I had my surgery, my deductible has been met and I am now 100% covered on any office visits. I did not evenhave to pay my deductible this year ($1250) because as part of our contract we agreed to switch to this insurance if the school district would cover the deductible cost for three years. Next year is the last year that they are covering the deductible. I didn't realize what a blessing this would be. I have normally been a very healthy person and would pay maybe $60 in medical expenses a year.
Bets has the option of adding me to her insurance during open enrollment. When I found her coverage online, I got a little excited.
Infertility
Diagnosis and Treatment of Infertility:
90% of eligible expenses after satisfying $200 deductible.
Covered Health Services for infertility services and associated expenses including:
● Treatment of infertility when provided by or under the direction of a Physician.
● In vitro fertilization, gamete intrafallopian transfer (GIFT) procedures, and zygote intrafallopian transfer (ZIFT) procedures, and any related prescription medication treatment.
● Embryo transport.
● Donor ovum and semen and related costs, including collection and preparation.
● Artificial insemination
Any combination of Network and Non-Network Benefits for infertility treatment is limited to a lifetime maximum of $5,000 per Covered Person.
● The cost of any prescription medication treatment for in vitro fertilization, gamete intrafallopian transfer (GIFT) procedures and zygote intrafallopian transfer (ZIFT) procedures counts toward the $5,000 lifetime maximum.
The participant-paid coinsurance amount does not count toward the plan’s annual out-of-pocket limit.
Reproduction
Same as:
● Physician's Office Services
● Professional Fees
● Hospital-Inpatient Stay
● Outpatient Diagnostic and Therapeutic Services.
● Voluntary family planning.
The following are covered:
● Voluntary family planning.
● Abortions (Elective and Therapeutic).
The following services are not covered:
● Surrogate parenting.
● The reversal of voluntary sterilization.
So I am thinking that I should be added to her insurance as soon as possible.
Last time I was at the ob/gyn she ran a complete hormone analysis, in fact, she ran it twice because my Prolactin level was high during the first one. Everything came back A-ok.
What other tests should I have done? I went last cycle with the possibility of no ovulation. I don't want to go too many cycles without fixing whatever may be wrong. Should I call and schedule an appointment?
In September she told me I should have no problem getting pregnant and have a good chance of actually getting pregnant in the next 3 months (because of the D&C).
My mind is racing, so any advice would be helpful!
4 comments:
Definitely research how much it will cost in premiums to add you, and how it will affect B's taxes (many states consider domestic partner insurance to be income for the person who is the primary policy holder).
Those $5000 maximums seem a little low - I would assume you'd hit those maximums fairly quickly in any of those types of procedures.
I'd be thankful for any coverage of this stuff...in our state, insurance companies are not required to cover "infertility" and so they don't...almost across the board.
The $5000 will be hit pretty soon on alot of the procedures... but the coverage sounds great! And yes, check on the premiums and the tax effect.
As far as the testing... have you had the HSG and saline ultrasound?
What a crock of sh**! $5k is nothing, though our insurance paid NOTHING, so we had to shell out $50K for the twins over the 10 months it took. This is not to scare you. We got pg the very 1st insemination with our 1st, so it can go either way. It's just I was over 35 when we started trying with the twins. This "magic number" decreases the odds dramatically.
Here's my best, most sincere advice. Skip the OB. They do NOT specialize in getting you pregnant, just caring for you when you are. GO TO A SPECIALIST! A RE (reprductive endocrinologist) or a fertility clinic will monitor your levels several times a week, and hopefully put you on fertility meds right from the start. This will increase your chances astronomically. In addition, they will prepare the sperm so it is optimal for impregnation Otherwise you have no better shot at getting pg than anybody else. The more eggs you release, the better the chances one will hook up with one of the little guys.
I have 3 friends who spent well over a year ttc with their OB then finally went to the clinic we used and were pg within 2 cycles.
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