Life

Insurance. Ye Gods.

I spent a good chunk of this morning calling insurance. Why? Well, it looks like my lifetime limited coverage of infertility issues have run out, so nowadays every single one of my visit with my doctor (and the subsequent ultrasound) would cost me 800+ dollars per. Yeah…. I’ve been trying to see if I can get it coded a bit differently, especially this time when I’m not actually doing an embryo transfer but just a biopsy. If it’s just billed as regular ob/gyn it would be covered. I’m not holding out much hope, though. It’ll be another few weeks before anything is final, so I’m not paying a cent right now. Even if it’s not covered I’m going to see if I can negotiate the bill down or something. Also, I’m going to ask my doctor to see what is the minimum number of visits I can do before an embryo transfer (this procedure has never been covered by any insurance so it’s about $2500 each time.) If I only have to come in once then at least I can minimize my cost so each cycle would roughly cost me $5000. Otherwise it seems very insane.

Before you go on rage about America’s utter lack of universal healthcare, I don’t think any country’s insurance covers infertility treatments. If you’re a woman who’s infertile then your option of getting a baby is basically get rich and pay up. Them’s the breaks, yeah? This is why we set aside a very significant amount of savings to try to do this. Also why I’m definitely going to be looking for a job later this year. Well, part of the reason, mostly it’s because my book is killing me yo! But that’s a topic for another time.

Anyways, spending a long time talking to insurance and billing is not a fun way to spend a morning. Add to that my derrière really hurts from the progesterone shots right now, I’m close to just giving up today on other work and just play the Sims haha. But I can’t, because that would be counterproductive to my goals. I might take a painkiller though. I wonder if Tylenol will even help.

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