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MrsS518
Big Sister to be!
Member since 7/07 3423 total posts
Name:
Tara
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so bummed.....little vent
so my RE office just called to run through my insurance coverage and i knew i would have to pay something out of the pocket and i thought it would only be a few hundred dollars...... well its not Before i can start ny cycle DH and i have to pay $2800  we dont have that kinda money right now. since DH has been out of work for months because of his chemo and just started back up working full time not to long ago we have no money saved. all the money we had saved we had to use when he wasnt working so now that leaves us with nothing. we really wanted to start this summer so it would conflect with my job( im a teacher and have off all summer) so i could go to the RE when i needed and not have to worry about taking off or coming into work late all the time. i couldnt believe all these charges they were getting out of us. im so bummed we prob wont be able to start next month as planned my mother in law was going to help us but now shes not on board with us doing IVF and told us she will not be helping us like she said.( my mother in law is crazy i wish i had time to tell you all the horrible things she has done to us) im sorry for this long rant im just really upset that things arent working out for us againi feel like we have been through enough with DH being sick why cant this come easy for us?! can you just send me some hugs? thanks for reading
Message edited 6/30/2008 2:06:12 PM.
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Posted 6/30/08 1:47 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
MrsJoeG
Beyond Blessed <3
Member since 2/08 1482 total posts
Name:
Amanda
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Re: so bummed.....little vent
sweetie I am so sorry. Is there anyway you can get a pt job this summer and put that $ just toward the ivf? I am so sorry. I wish this was easier.
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| Posted 6/30/08 1:49 PM |
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MrsS518
Big Sister to be!
Member since 7/07 3423 total posts
Name:
Tara
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Re: so bummed.....little vent
Posted by MrsJoeG
sweetie I am so sorry. Is there anyway you can get a pt job this summer and put that $ just toward the ivf? I am so sorry. I wish this was easier.
well i am working nannying for a family this summer and they are so understanding if i needed to leave to go to the doctor but my job wouldnt be so willing to just let me come and gos as i please. thats why we were so excited that we could of gotten this started over the summer and could of been PG by aug my RE said if this cycle worked ugh nothing is going right for us again im so upset right now
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| Posted 6/30/08 1:55 PM |
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fullofhope13
Please stay little one
Member since 2/08 1158 total posts
Name:
Helen
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Re: so bummed.....little vent
Tara, I'm so sorry!!
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| Posted 6/30/08 2:04 PM |
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babyquestions
LIF Adolescent
Member since 9/05 579 total posts
Name:
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Re: so bummed.....little vent
I'm so sorry....
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| Posted 6/30/08 2:05 PM |
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ynot2
LIF Adolescent
Member since 3/08 695 total posts
Name:
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Re: so bummed.....little vent
I am SO SORRY to hear that this is not going as planned for you... Hopefully something will work out. It is only the beginning of summer vacation so maybe things will fall into place by next month and you can move forward as planned!!  
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| Posted 6/30/08 2:11 PM |
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Bops
My 3 wishes
Member since 12/07 13625 total posts
Name:
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Re: so bummed.....little vent
Does your DH's job offer that health flex spending option ??? I hope you can find a way to make it work Sometimes an RE office will work out a payment plan type of thing with you- I know mine was extremely understanding (we had no IVF coverage)
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| Posted 6/30/08 2:13 PM |
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MrsS518
Big Sister to be!
Member since 7/07 3423 total posts
Name:
Tara
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Re: so bummed.....little vent
Posted by Bops
Does your DH's job offer that health flex spending option ??? I hope you can find a way to make it work Sometimes an RE office will work out a payment plan type of thing with you- I know mine was extremely understanding (we had no IVF coverage)
what is health flex spending? our insurance covers IVF up to $10,000 but this is our out of pocket money we have to spend before we can start our cycle. our insurance was already preapproved for us because we were going to start in July when i got my period. so things were already set up for us to start but no one told us till today that thats how much we had to pay. i was told only co-payments and meds i would have to pay..... boy was someone wrong
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| Posted 6/30/08 2:23 PM |
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Bops
My 3 wishes
Member since 12/07 13625 total posts
Name:
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Re: so bummed.....little vent
Posted by babygirl71777
Posted by Bops
Does your DH's job offer that health flex spending option ??? I hope you can find a way to make it work Sometimes an RE office will work out a payment plan type of thing with you- I know mine was extremely understanding (we had no IVF coverage)
what is health flex spending? our insurance covers IVF up to $10,000 but this is our out of pocket money we have to spend before we can start our cycle. our insurance was already preapproved for us because we were going to start in July when i got my period. so things were already set up for us to start but no one told us till today that thats how much we had to pay. i was told only co-payments and meds i would have to pay..... boy was someone wrong
Some companies offer an option to have pre-tax $ up to a certain amount come out oif your check to put towards health related expenses... Heres is a link I found that might better explain it (maybe ask the HR dept at his job if they participate in anything like this)
https://www.fsafeds.com/fsafeds/SummaryofBenefits.asp#WhatIsFSA
 (I used to work at the PC Richard corporate office and this was one of the benefits we received- thats how I knew about it !- You never know !)
Message edited 6/30/2008 2:32:48 PM.
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| Posted 6/30/08 2:30 PM |
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Daisy32
Mommy
Member since 2/08 8081 total posts
Name:
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Re: so bummed.....little vent
Tara I'm so sorry to hear this. I feel so bad. Tons of hugs to you
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| Posted 6/30/08 2:41 PM |
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JennyPenny
?
Member since 1/08 12702 total posts
Name:
Jen
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Re: so bummed.....little vent
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| Posted 6/30/08 3:02 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: so bummed.....little vent
If you insurance cover IVF why do you pay for meds?(cuz that will run you $3-4k!) I would call fertility lifelines(google them) they will call your insurance and find out exactly what is and isn't covered. Talk to your clinic-ask them if you can do payments. If all else fails, find a new clinic. My clinic RMA worked with me on financial matters
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| Posted 6/30/08 3:37 PM |
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Re: so bummed.....little vent
I hope you ca figure it all out. Good Luck!
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| Posted 6/30/08 4:25 PM |
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MrsS518
Big Sister to be!
Member since 7/07 3423 total posts
Name:
Tara
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Re: so bummed.....little vent
Posted by Bops
Posted by babygirl71777
Posted by Bops
Does your DH's job offer that health flex spending option ??? I hope you can find a way to make it work Sometimes an RE office will work out a payment plan type of thing with you- I know mine was extremely understanding (we had no IVF coverage)
what is health flex spending? our insurance covers IVF up to $10,000 but this is our out of pocket money we have to spend before we can start our cycle. our insurance was already preapproved for us because we were going to start in July when i got my period. so things were already set up for us to start but no one told us till today that thats how much we had to pay. i was told only co-payments and meds i would have to pay..... boy was someone wrong
Some companies offer an option to have pre-tax $ up to a certain amount come out oif your check to put towards health related expenses... Heres is a link I found that might better explain it (maybe ask the HR dept at his job if they participate in anything like this)
https://www.fsafeds.com/fsafeds/SummaryofBenefits.asp#WhatIsFSA
(I used to work at the PC Richard corporate office and this was one of the benefits we received- thats how I knew about it !- You never know !)
thank you so much for this info im going to talk to DH when he gets home and have him find out
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| Posted 6/30/08 4:49 PM |
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babyfaith
Onward and Upward!
Member since 2/08 3210 total posts
Name:
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Re: so bummed.....little vent
First off . I am sorry that your insurance is not covering what you hoped it would. Teachers usually have excellent insurance for infertility, especially those that work in public schools. Is there any way you can borrow the money from other relatives or use a low interest credit card? There are also IVF loans and grants.
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| Posted 6/30/08 8:10 PM |
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Lee
LIF Adolescent
Member since 4/07 758 total posts
Name:
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Re: so bummed.....little vent
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| Posted 6/30/08 8:50 PM |
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Hotmamma408
LIF Adolescent
Member since 6/08 692 total posts
Name:
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Re: so bummed.....little vent
before taking a loan or using a credit card. ask them if you can pay it in installments. in college i worked for an OB affiliated with NSUH and we would accept installments when ever there was a lack of insurance coverage.
I am a teacher too an I totally undersand why this summer was so important to you! I am on the same track for the same reason!
Don"t throw in the towel yet. Don't be shy...make some phone calls. You never know. Good luck! I have a good feeling it will work out for you!
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| Posted 7/1/08 8:50 AM |
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BA2008
Need to find some hope!
Member since 2/08 2485 total posts
Name:
Beth -Ann
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Re: so bummed.....little vent
ITA with everyone. It never hurts to ask!!! Don't give up yet, there is always a way. I'm surprised you'd have to pay for your meds also. That could be $3-$4k.
Good luck and KUP.
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| Posted 7/1/08 10:54 AM |
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