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.
Wow. You never realize how many steps there are to get some tricky medication covered by insurance until you have to, well, deal with insurance because you’ve received tricky medication. Well, it’s not “tricky,” it’s just a higher-than-average dosage, but apparently insurance freaks out over that. I’ve spent literally the past two weeks calling among three different insurance departments, two different pharmacies, and my doctor’s office every single goddamn day for at least an hour to get my new meds covered. Basically it needs to be verified by the doctor and the pharmacy, then get pre-authorization through several departments, then get an override because of the dosage increase, since insurance mistakenly thought I already picked up the full new dosage when I only picked up the old dosage, but because of that they won’t let me refill it before October when I needed it yesterday. The whole huge process is just a crapload of time wasted on phone calls and listening to hold music and explaining the same situation over and over and over and, yeah…
Good news is that I finally got through and successfully picked up my meds an hour before closing at a pharmacy I don’t usually go to. Turns out the factory that makes this medication was shut down for a while because of Covid, and so the prescribed amount did not arrive on time for me to pick it up. The pharmacist at my regular pharmacy is really nice, and she’s like, well, I would fill it partially but I’m afraid that it’ll trigger something with insurance and you can’t fill it again and then you have to do this whole thing again, so I’m just going to see if I can transfer you to this other pharmacy which I think have the full dose and you can go there. Oh and did I mention it’s like $400 of meds, for one month, and I need to be on it for at least three months even if everything goes well? The other pharmacist was like, are you sure this isn’t a mistake and I was like I wish, but no. She said when she called my regular pharmacy to verify she was told of the ridiculous runaround I had to do to get it covered, and she sympathize greatly. Good times!
While all this shenanigans are happening, our bathroom drain pipe decided to spring a leak (probably because one of the earthquakes) and soak a giant water bubble into our downstairs laundry ceiling. We peeled off the paint and drywall, put a bucket under the drip, and called a plumber. Someone came and fixed the pipe (small, simple leak) and then we got a water damage crew over to look for mold. They said there’s very little mold, and it’s a small job, but haven’t given us an exact quote yet. And then we have to call some construction people to patch the hole in the ceiling and/or replace the cabinets, depends on if they’re warped from water damage or not (won’t know until the water damage folks get going). And all these things are all relatively “small” but they all add up, you know? There was a lot more phone calls and texts and emails being exchanged but my s.o. handled most of those. What is with these few weeks? I’m having try #2 at getting pregnant next week and all these crap just have to pile on top of each other, don’t they? You know, they say the year 2020 is bad luck for folks born in the Year of the Rat. Superstition and all, but sometimes I really wonder.