Monday, March 23, 2009
IVF could cost a lot of money but......
I want to write and entry but I honestly have nothing to say or talk about.... Well I guess I could just tell you all what is going on even though its not as exciting as what everyone else seems to be up to.
We have our IVF consultation set up for April 16th. That is the earliest time Jack was available...sucks but its the reality of his job. SO...I spent the entire day (except for 2 hours) literally all day on the phone with Blue Cross Blue Shield..I am getting all my ducks in a row for IVF...I am buying myself an individual insurance plan. See, here is MA infertility coverage is a mandate for HMO's. My husband unfortunately works for a restaurant company and we have a PPO so nothing but b/w & u/s is covered...nothing to help you get pregnant only to tell you you cant..hahah
Anyway...so I finally got all the details 100% correct and ready. Here is the deal....The plan has a $500.00 deductible and is $387/month...that covers all infertility treatments and medications...including ICSI & assisted hatching...it also includes some other terms that I cant remember off the top of my head.
So...lets say it takes 2 IVF tries (being optimistic) which I think (i really have no idea yet) would take like 4 months??? That $1600 + $500 for a total of $2000.00 verses $8500. which is what IVF costs at RSC. Sounds like a steal ha? I certainly think so.
So Jacks plan will be the primary & the BCBS will be the secondary so when they submit the claim to the primary it will be denied then it will be submitted to the secondary and it will be taken care of...I LOVE IT!!!!!!!!!
Health Insurance may be expensive in the state of MA, but Ill tell you - Ill take it over having to pay $10K to have a baby. I am sorry for all of you reading this that are not fortunate enough to have mandated coverage - MOVE HERE!!!!! YEAH!!!! just kidding....I am just glad that I read someones blog that had this information on there because if not, I might be up to my ears in CC debt!
So unfortunately that is all that is going on here....Nothing sooo exciting quite yet...We are still going to try on our own even though if 4 IUI's don't work having sex on our own certainly wont but hey...Ill drink and have sex..seems to work for some...hahahah
With Love, Melissa Griffin