tag:blogger.com,1999:blog-6966847528840314277.post8422175633291864862..comments2023-10-18T01:58:42.244-07:00Comments on A Little Hope: Insurancesunflowerchildehttp://www.blogger.com/profile/15209334933886664383noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-6966847528840314277.post-51183431529075291812009-05-14T19:43:00.000-07:002009-05-14T19:43:00.000-07:00You're so right. Insurance sucks. The insurance at...You're so right. Insurance sucks. The insurance at my job covers nothing related to IF. They are supposed to cover diagnostics, but guess what? They didn't. The company that I work for is in a male-dominated industry, so I don't think it will ever change. We're really lucky, though. E's old job offered fertility coverage. We're paying a craptastic amount each month to keep me on that policy through Cobra and we can only keep it for about another 9 months. It doesn't cover drugs or any of his testing (chromosome testing was frickin' expensive), but we're hoping to come out ahead.<br /><br />With democrats running the show we might have more of a chance at getting some kind on change. Let me know if there's anything I can do to help. I live in the conservative Midewest so I won't hold my breathe on it happening here, but I'm willing to try to write letters or something.Word Nerdhttps://www.blogger.com/profile/00217711036074308677noreply@blogger.comtag:blogger.com,1999:blog-6966847528840314277.post-61889171972115583982009-05-14T18:06:00.000-07:002009-05-14T18:06:00.000-07:00Well, a $2000 lifetime coverage is $2000 more than...Well, a $2000 lifetime coverage is $2000 more than I have. My insurance pays for diagnosis of IF (with a copay) but nothing for treatment of IF. Anything we do has to be out of pocket.<br /><br />One idea that can help slightly is to use health savings accounts. This is also something you can't change until 2010, but you can set aside money through your employer (pre-tax money) to pay for qualified health expenses. And IF is a qualified health expense, so you get some benefit through lower taxes.<br /><br />If you want to do something politically about this, start by calling and emailing your state and federal representatives. The more people who say this is an issue, the more they will listen. I've gotten involved with the Democratic party since the Obama campaign and have lots of connections with political folks and am now invited to events where policymakers are. I do live in my state capital, so that does help this of course. But getting involved in whatever political party leans your way would give you more info on how to enact change.Missyhttps://www.blogger.com/profile/10030801926318157162noreply@blogger.comtag:blogger.com,1999:blog-6966847528840314277.post-65273934460111548802009-05-14T17:07:00.000-07:002009-05-14T17:07:00.000-07:00Let me guess. Anthem? I had them and of all the th...Let me guess. Anthem? I had them and of all the things I submitted (I didn't submit any of my IVF expenses) they paid for nothing. No labs, nothing because the doc was out of network. Even though I had a $2000 lifetime limit and a $1500 med limit. Oh, wait they paid for the Lupron. <br />Insurance sucks so freaking bad. It makes me nuts what is and isn't covered. Also fighting with insurance companies is crazy. I'm sorry your coverage isn't better. I hope that you find some way for things to work out.battynursehttps://www.blogger.com/profile/02240029154165501340noreply@blogger.comtag:blogger.com,1999:blog-6966847528840314277.post-19642317729995743052009-05-14T15:05:00.000-07:002009-05-14T15:05:00.000-07:00Resolve.org definitely has the info you need if yo...Resolve.org definitely has the info you need if you want to write to political leaders. Insurance is so, so frustrating. I'm sorry that stress is adding to everything else.babyinterruptedhttps://www.blogger.com/profile/09691284568281459525noreply@blogger.comtag:blogger.com,1999:blog-6966847528840314277.post-67874799981816535502009-05-14T10:08:00.000-07:002009-05-14T10:08:00.000-07:00Right there with you. We do have insurance, but i...Right there with you. We do have insurance, but it's a $2000 lifetime limit for IUIs - which doesn't help me in the least and $10,000 for IVF. My company switched insurance companies the first of the year and lucky for me it's the same limits. This time they are supposed to cover meds, but...I'll believe it when I see it. I tried to convince my husband to move to Chicago instead of Los Angeles to take advantage of the mandated insurance, but I failed. If you figure out where to write letters to - let me know. Resolve.org might have the info we need!Mugsyhttps://www.blogger.com/profile/01844556460406512992noreply@blogger.comtag:blogger.com,1999:blog-6966847528840314277.post-22853866627646770402009-05-14T09:33:00.000-07:002009-05-14T09:33:00.000-07:00Yeah, I hate the TWW, so I am glad it is going qui...Yeah, I hate the TWW, so I am glad it is going quick. <br />For me we went straight to injectables because my RE felt at my age...39, staring at 40 next month....that we shouldn't waste our time. He told me, at my age on my own I have a 5% chance of getting pregnant each month, with clomid, only 7% and then with injectables 20-25% so it seemed clear to us what we should do. I think clomid is great for those who don't O on their own or need a boost, but for those who do, it might not be as effective. That last part is just my opinion from my online research :)<br />Hope that helps, if i didn't answer something, feel free to ask more! <br />btw- the meds with insurance for the injectables cycle were $1000, without insurance over $3500....yikes!just me, dawnhttps://www.blogger.com/profile/03046206651954423260noreply@blogger.comtag:blogger.com,1999:blog-6966847528840314277.post-43670564424956253822009-05-14T09:03:00.000-07:002009-05-14T09:03:00.000-07:00I have NO ideas to help you with your insurance qu...I have NO ideas to help you with your insurance questions. I'm insurance duh, sorry! Oh I do have a question though. Can you and your husband get a secondary insurance plan to cover SOME of the costs for IUIs and IVFs? I don't know if that's even possible, I was just asking. That sucks, I hope you can find a solution soon!<br />*HUGS*Beautiful Messhttps://www.blogger.com/profile/02425541240465474148noreply@blogger.comtag:blogger.com,1999:blog-6966847528840314277.post-61254269589432482052009-05-14T08:56:00.000-07:002009-05-14T08:56:00.000-07:00$1500 lifetime maximum....guess they don't realize...$1500 lifetime maximum....guess they don't realize that one cycle even of injectables and IUI cost more than that...sigh- insurance. That being said, I am one of the lucky ones in NJ where it is mandated, but it is only mandated for companies that have more than 25 benefited employees as I think it would cause "undo financial strain" on smaller companies, or something of that nonsense. I am glad J. works for a company big enough to require the coverage.<br />I am sorry things are tough!just me, dawnhttps://www.blogger.com/profile/03046206651954423260noreply@blogger.com