FertilityTies posts tagged with insurance

The latest on me, more to come tomorrow...BFP here I come!

Wed, 03 Dec 2008 23:49:53 -0600

Was supposed to have LAP done today, but since insurance is screwed up, I don't want to risk being charged out of pocket if they claim it as pre-existing...so waiting til April atleast, that way the pre-existing clause is no longer in effect. I had repeat labs for my prolactin on Monday, so I will find out tomorrow at my appt. how that's doing. I am also going to talk to my Dr. about just doing the HSG right now, I have had recommendations by Dr. Q and several others here, to go with the less invasive first, and that totally makes sense. So I hope I can get that done soon! I am going to see if they can bill it as something other than infertility so insurance will cover it, but then if they do I will have to wait on that also! That's all I have for now. Wish me luck tomorrow, and prayers that prolactin is ok.

James

Should I do the HSG now, or wait for a laproscopy?

Sun, 30 Nov 2008 11:43:00 -0600

I have been TTC for 15 months now, and as far as I know have never been pg. I have been tested for just about everything, except Lap to check for endometriosis, and HSG for blocked tubes...my doc wants to do both, but I can't afford both right now, as insurance will not cover it because it would be considered pre existing. I either have to wait til April to have it covered, or pay out of pocket. I have already been waiting over a year to find out what is going on, and it's not getting any better. I want to do the HSG first, instead of at the same time as the LAP.

What do you think? Should I just tough it out for the next few months, and wait for insurance, or do it now? My gut feeling is there is a blockage, because I have regular cycles, ovulate on my own (determined thru progesterone test), and hit all the right days for TTC.

I am 23 and my bf is 32 and has 4 kids of his own, so he has no problem!

Has anyone had either one of these procedures, and what was your diagnosis and outcome?

James

ttc for almost a year, no insurance.... DEAD END?!

Tue, 25 Nov 2008 14:17:05 -0600

Me & my fiance have been ttc for almost a year now and im having no luck! my periods are regular, i currently have no insurance because i am self employed and can not afford it. My aunt took fertility drugs(im not sure which one) and became pregnant within 2 months. i dont know what steps i should take next and kinda feel like im at a dead-end with no insurance!If anyone could PLEASE give me some advise i would greatly appreciate it! (and the names of some insurance companies that would cover fertility drugs if needed... the insurance i would just want to cover me) Also would i be able to go to my family doctor for help with my problem even tho i know he does not specialize in this?

mswilliams23

insurance

Thu, 13 Nov 2008 18:03:58 -0600

I have heard a few ladies say their insurance covers infertility meds and iui's... can you tell me what insurance companies these are please so i can look in to it?

Turtlemess

Health insurance question

Mon, 03 Nov 2008 18:53:19 -0600

I'm sorta confused about my health insurance coverage with infertility. I called my health insurance company (Anthem) and they said my insurance does NOT cover procedurces for infertility. Well..I got a statment in the mail regarding my IUI w/out meds and the total cost was 189 dollars and it shows the following...Charge= 189.00 Allowable amount= 96.79 Provider responsibility= 92.21 Deductible= 0 Copay/coinsurance= 15.00(which i paid) Amount paid to provider= 81.79 So what do I owe??? It said this is not a bill. My provider participation status is In Network. How does this work?? I'm an idiot when it comes to figuring out stuff like this. I thought I would have to pay for the whole thing. If anyone understands this please explain it to me. Thanks a lot. :)

Jules

PROBLEM WITH KAISER

Sun, 02 Nov 2008 01:25:17 -0600

I have been visiting KAISER from last 5 years to regulate my cycle.

The just give birth control pills. When i ask my doctor for alternate they told me to go to INFERTILITY WHICH IS NOT COVER BY KAISER.

I studied on internet about metamorfin, then force my doctor to give me metamorfine.

Can any recommend me alternate insurance or doctor?

mom

Some insurances may cover rental/purchase of a breast pump!!

Tue, 28 Oct 2008 16:54:23 -0500

I just thought I'd post this in case anyone doesn't know..b/c I sure didn't until Oliver mentioned it. But, some insurances cover the rental or purchase of breast pumps under the "durable medical equipment" policy. My insurance, Blue Cross is covering any hospital grade or otherwise pump for me at 90%!!!! I'm so excited. So contact your insurance co. b/f you buy one!!!!

Thanks Oliver!!!

Kelli

Getting Pregnant?

Sat, 25 Oct 2008 14:31:27 -0500

Hello... My name is Pamela and my fiance and I have been trying to conceive with no luck thanks to PCOS.

:( I have not had a period in longer then I can remember I also don't have the insurance! I need help... thanks, Pamela

Pamela24

I am SO confused and scared & Lonely

Wed, 10 Sep 2008 03:17:41 -0500

Okay so let me start off by saying thank-you to whom ever answers this for me. So here's my story so far. I was diagnosed with P.C.O.S earlier this year after having blood test's done. I was sent to an infertility specialist for help becoming pregnant and he had me tested for diabetes/ came back negative thank god. Well as far as I know he was going to start me on medicine after wards but my insurance changed because I turned 18 and I had to get my own insurance. Now they don't except my new insurance and I was doing so much looking around for insurance and then came across someone who told me (an insurer) that no self pay insurance will cover infertility in Pennsylvania. So then I was wondering what in the world could I possibly do. If I don't have the money to pay 700.00 to see the infertility doctor. maybe you know something I don't. thank-you Alyssa

AlyssaMae

Insurance...

Thu, 04 Sep 2008 07:12:12 -0500

Well, I don'thave insurance. So as of right now, I'm having to pay for all my doc appt. all my blood work and medications.. I was just wondering if anyone knew of any companies that I could get insurance thorugh that would cover fertility cost as well as jst regular doc. appts? Thanks so much

Sabrina85

endometriosis

Fri, 22 Aug 2008 15:29:25 -0500

I need some advice. I ended up in the emergency room yet again about a month ago from pain that i didnt know what it was. the docs finally decided to find out by doing tests a pelvic exam, and ultimately an ultrasound. they said that they found endometriosis and a cyst on my ovary. i have tried to go to my ob but they want me to pay the office visit and every thing up front(no insurance) and 65 for visit and then extra for any tests is just to much i dont have that type of money. my husband wont be able to reinstate his health insurance until april of 09. but i am hurting really bad now. so i'm kinda stuck. what should i do? i cant go to the doc cause i dont have the money, i'm hurting really bad and cant do anything about it. please help me??

susan hutchinson

Egg donation and IVF

Wed, 13 Aug 2008 14:38:20 -0500

For a donor cycle it would be about $20,000 out of pocket - my stuff will be covered 100% (like the fertilization, monitoring the embryo, transfer and meds for after the transfer, etc) cuz I have some insurance $ left but the insurance doesn’t cover any donor stuff.

The lady from the clinic will be sending me a list of expenses but went over it with me on the phone and the lady that donates only gets $3,500.00 for her trouble! Wow, thats very kind of her to do, its not a fun thing to go thru.

I also found this out 2day...... each of us (me and DH) has a $30,000.00 cap for infertility treatments thru the insurance but they wont go $60,000.00 and pool it 2gether. I cant understand that at all. There is really nothing besides surgery that DH would have to do that would cost money and a surgery may even be covered by regular insurance.

Here is the breakdown at my clinic:

10,020.00 - 10% so

$8,517.00 for the 1st part (monitoring, retreival and suck)

$3,500 to the donor

210 for insurance on the donor

500 for anistesia

$4,373 for the FDA testing at the start

200 for administrative fees

$3,000 for meds for both her and I

I figured it was gonna be aroung 10 grand out of pocket but this is double. I may have to re-think this donor thing! Uggg..... lol!

chelsharmony

IVF and Males Insurance?

Thu, 03 Jul 2008 07:09:31 -0500

What part of IVF is needed from the male? My DH is not on my insurance, and my new insurance covers IVF completely but I need to know what out of pocket cost we will have for DH?

Michele Z

Do preservative free vaccines cost more?

Fri, 20 Jun 2008 12:39:24 -0500

And do insurance companies cover them?

Do you have to ask for them prior to baby's dr appt? or can you ask when you get there?

Meghan

help girls please...

Thu, 19 Jun 2008 20:04:02 -0500

hi doctor, hi everyone is me again i have a big question ok well i was seeing a regular gyne to help concive but no luck he was taking for ever this was on the begining of 2006 so i decided to move on my next step was fertility clinic cause it was hard for me cause i had only one tube so i moved on i started going to a fertility clinic since nov.06 so they did alot of testing on me and a couple of sergerys cause i had big cyst and scar tissue and also they checked my tubes and stuff well i saterted a treatment with them iui with clomid and no luck i had the iui on december 07' well i had bluecrossblushield PPO my insurance wasnt paying for nothing they only paid for the testing to know why i couldnt concive so know my husband got a new job and new insurance i have bluecross blueshield HMO of illinois and it covers 100% on infertility treatments so i had to stop going to the clinic where i was going cause the facility were i was going didnt take HMO so i had to make an appoinment with my gyne cause he had to reffer me so he did cause my husband has also low sperm count and low movility and i also dont have my rite tube cause i had an ectopic pregnancy years ago now i have an appoinment july 14 in another fertility center and my question is since i had a faild iui with clomid plus i dont ovulate on my own and im also irregular with my periods you think i could just tell them i would like to go to ivf or what do you think they would whant to do see i dont know cause of the way the hmo works i dont know if the insurance whants to do something else since they pay 100% i dont know if they take step by step cause of the insurance. plus i have all my old records all the papers with all the testing and surgerys.i need help please and sorry for the long story!

thanks so much

garcia

help me please!!!!!

Thu, 19 Jun 2008 13:13:06 -0500

garcia

No Infertility Insurance :(

Tue, 03 Jun 2008 18:05:16 -0500

Well my work discontinued our infertility insurance. My husband and I have been ttc for a little over a year. We use OPKs. I have endometriosis. I was planning on going to be seen next month to take the next step but when I called Blue Cross was told I have no coverage for infertility. I am going to be seen for my endo on Friday and am hoping they can do something for that that will have a positive effect on my chances. The insurance said as long as it wasn't billed as infertility it would be ok but once a procedure is for infertility they will deny the claim. Is there any advice on other things I can try since major medical procedures are out.

Thanks for the advice!

MrsM

Stupid Insurance

Sat, 31 May 2008 16:10:38 -0500

I have to have pre-auth for Endometrin... and I kinda need it on Monday. I'm gonna go for the BDing today and tomorrow anyway, and just hope hope hope that I dont get that auth too late that its inveitable that I miscarry again. I just dont want to waste yet ANOTHER month.

Annie Boyd

insurance question

Tue, 06 May 2008 12:35:38 -0500

bcbs told me i am covered up untill i am diagnosed infertile. i was diagnosed with hypogonadatropin hypogonadism by my obgyn he sent me to fertility specialist with that diagnosis does that mean i am infertile? hope i didnt confuse any one kinda confused my self. :)

christian

HELP PLEASE....

Tue, 29 Apr 2008 17:18:52 -0500

HEY DOCTOR Q I HAVE A BIG PROBLEM I WAS CURRENTLY GOING WITH FERTILITY SPECIALIST AND SINCE THE INSURANCE DIDNT PAY ANYTHING I HAD TO PAY EVERYTHING OUT OF MY POCKET SO THE LAST THING I DID WITH THEM WAS AN IUI IN DEC,07 BUT NO LUCK NOW MY HUBBY CHANGE JOBS AND THE INSURANCE CHANGED SO I HAD PPO NOW I HAVE HMO AND I CALLED THE INSURANCE AND THEY TOLD ME MY PLAN COVERS 100% IN INFERTYLITY THE ONLY PROBLEM WAS THAT THE FASILITY WERE I WAS GOING DONT TAKE HMO SO I HAD TO LOOK FOR A GYNE SO HE COULD REFER ME TO A SPECIALIST I HAVE THE APOINMENT ON THURSDAY MAY2 AND I ALSO HAVE ALL MY RECORDS DO YOU THINK HE WILL JUST REFER ME OR YOU THINK HE WILL WANT TO DO TESTS ON ME CAUSE I REALLY JUST WANT HIM TO REFER ME AND COUNTINUE WITH MY SECOUN IUI BUT IDK WHAT TO DO I MEAN I BEEN TRYING FOR ALMOST 3YEARS 4MONTH BY MY SELF 1YEAR WITH MY REG. GYNE AND 1YEAR WITH FERTILITY SPECIALIST. SEE MY PROBLEM IS I DONT OVULATE REG. AND I DONT HAVE REG. PERIODS AND ALSO I DONT HAVE A FALLOPIAN TUBE THEY HAD TO REMOVE IT CAUSE OF A ECTOPIC PREGNANCY THAT I HAD.... SO WHAT DO YOU THINK PLEASE HELP.....THANX DOCTOR OR LADIES OUT THERE.....

garcia