I apologize in advance for this post. If you don’t have insurance coverage for fertility treatments this post is going to read like a beauty queen complaining that it’s hard to be so pretty. If you don’t have insurance coverage please feel free to quit reading, my complaints will only annoy you (and rightfully so).
With my insurance I have a maximum amount to spend for treatments and a different maximum amount to spend for prescriptions. Because I have now had two cancelled IVF cycles, and because I now require a dump truck full of drugs to coax my ovaries into producing sub par eggs, I have now…(wait for it)… maxed out on my insurance prescription coverage!!! Let’s have a moment of silence please…
I have been in a pharmacy death spiral the past week; shopping my prescription needs around from pharmacy to pharmacy. This one has the best out of pocket prices, but that one takes my insurance so that I can eek out every last cent of coverage. And on and on and on.
Finally I have determined that my drugs will cost me about $3000 this cycle.
The good news…I foresaw this and budgeted $3500.
The bad news…My drugs are going to cost me $3000.
And that brings us to the insurance word problem of the day. Hubby’s work is going through open enrollment right now. His insurance would cover half of my meds (no coverage for procedures), but would cost us an additional $100 a month. However, his insurance would not go into effect in time for this cycle. I could only use his insurance for future cycles. So my choices are:
A.Sign up for his insurance which would be tantamount to admitting that this cycle will fail and I will have a need AND a desire for more IVF cycling this year.
B.Don’t sign up for his insurance and pay OOP for all future IVF cycle meds; assuming I would need them of course (wink wink nudge nudge).
I’m choosing B. I'm choosing optimism. But I think it totally sucks that I have to make this decision right now.
Insurance and money and paying out of pocket and dealing with insurance companies and saving money and blowing through savings and the economy just makes this stressful and emotional time MORE stressful and emotional.
And it’s just not fair.
I know. I know. I’m preaching to the choir.