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WannaBeAMom11
LIF Adult
Member since 1/11 7391 total posts
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Name
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I'm done before I begin
Due to a layoff we are now under dh's insurance. We were assured by HR that they have fertility coverage and its subject to the deductible. We went ahead with IUI #2 while waiting for the cards. Well found out today that I have zero coverage so now have to call my Drs office and figure out how much I owe them out of pocket. If this didn't take there will be no baby #2 for us as financially it's not possible. I'm heartbroken.
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Posted 10/4/16 10:06 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
hmm
Sweet
Member since 1/14 7993 total posts
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I'm done before I begin
if the IUI was covered when it was done insurance must pay.
Sorry, HUGS.... ask the office about the grant
Message edited 10/4/2016 10:19:14 PM.
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| Posted 10/4/16 10:18 PM |
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WannaBeAMom11
LIF Adult
Member since 1/11 7391 total posts
Name:
Name
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I'm done before I begin
IUI #1 was covered. Not #2. what is the grant?
Message edited 10/4/2016 10:24:33 PM.
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| Posted 10/4/16 10:24 PM |
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WannaBeAMom11
LIF Adult
Member since 1/11 7391 total posts
Name:
Name
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I'm done before I begin
I just looked and they have some kind of veterans program too which I may qualify for as my dh is a veteran.
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| Posted 10/4/16 10:33 PM |
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Gonzo
LIF Zygote
Member since 9/16 32 total posts
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I'm done before I begin
Also, check with your RE about creative ways to pay - and grants (there are different options out there- I actually have good insurance- with some locations - not the RE I am with currently - doing one last try with- then will go somewhere with better coverage with my insurance). Anyway, the RE's seem to really want to help people with either info on the organizations that help provide grants (often income based) and if they could help out as well- in any way they bill potentially (I am not sure of that- but worth asking - I have heard of things w/some med offices having a little bit of flexibility with using different more covered items as part of why much of a procedure may be done.
Good luck!
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| Posted 10/5/16 12:48 AM |
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MrsB12614
LIF Adult
Member since 4/14 1986 total posts
Name:
Mrs
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I'm done before I begin
I'm so sorry!  agreed. I know one of the first things during my initial appointment was coverage. When I found out that IVF may have been my only option at the time, I have only 10k to put towards it. The office said they can get creative to bill insurance and could work with us if it came to it. Worth a shot to ask! Good luck! Try not to stress!!!
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| Posted 10/5/16 5:50 AM |
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Re: I'm done before I begin
Sorry to hear this! Please try not to stress! Cal the office and see if they will work with you.
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| Posted 10/5/16 5:56 AM |
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IUIGirl
LIF Adolescent
Member since 10/14 852 total posts
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Re: I'm done before I begin
I hope you can find a way through grants or special trials. Hopefully this one stuck, wishing you lots of luck!!
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| Posted 10/5/16 9:22 AM |
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IVFmiracle
Complete
Member since 12/12 4088 total posts
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Re: I'm done before I begin
 Oh no!!! Sending you extra special
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| Posted 10/5/16 12:15 PM |
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NYCGirl80
I love my kiddies!
Member since 5/11 10413 total posts
Name:
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Re: I'm done before I begin
Two suggestions.
Are you sure you have zero infertility coverage? Perhaps it's just the way the RE billed it? Or perhaps you need precert first? I know with me, I had limited coverage but only when I went through a certain "program" within my insurance. Start by making some calls to the insurance company for more info. Your RE's office should also have called the insurance company before anything was done and let you know what your expected costs would be.
Second, your husband should try talking to his HR dept again. If they told him infertility was covered, perhaps they could actually make sure it's added upon renewal which is only a couple month away, most likely.
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| Posted 10/6/16 8:32 AM |
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babydreams21
LIF Adult
Member since 12/12 3656 total posts
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I'm done before I begin
I'm sorry that's so frustrating.
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| Posted 10/9/16 11:03 PM |
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