Wednesday, August 26, 2009

Money and travels

Thanks to all of you that left well-wishes after the biopsy! It is just so nice to hear from you all, and know that I'm not alone. Seriously, thanks.

I'm back to normal, a little spotting left, but it has really decreased since Monday. I sort of thought it would just blend into AF (I usually spot some 1-2 days before she arrives), but it seems to be lessening. I'm on CD 27 today, so hopefully by Friday, she'll be here. If you happen to see her wandering around, please direct her over to my house. Thanks.

Mr. P and I looked at the cost of all this again yesterday. We need to pay a bunch before I start injections in a few weeks. Now, for all of you self-pay people, just skip this next part. Go on, I'll see you at the next paragraph. Up until now, all of our IF diagnostics and treatment have been covered by insurance. Meds too. Sure, I had a co-pay here and there, but nothing out of pocket. All 4 IUIs and both IVFs. Fully covered. Yes, I am very very thankful for this.

Working with the far away clinic is a big lesson on the cost of health care and insurance coverage. Again, we still have great insurance, which will reimburse some. But this is new to us, and figuring out exactly what we'll pay for and what will be covered has been confusing. In network, out of network, reimbursement rates, its so much to keep track of! It would be easier if I just knew it will cost XX amount, and budget for that. But we will get some covered, but not exactly sure which parts, and what % they will cover. We're budgeting for the worst. And what is frustrating is that if we stayed here, locally, it would still be fully covered. But I just can't feel good about that option - given the poor results we've gotten so far with the local clinic. So pay we will.

And Mr. P is leaving tonight on a business trip out of the country. He'll be gone til Sunday, which isn't that long, but it seems like it to me. And there is something about him being farther away (in another hemisphere!) that will make me miss him more. But as he says, "We gotta pay the bills!" so off he goes.

I'll call the nurse tomorrow to get test results, so I'll update when that happens.

6 comments:

  1. Hi! Wishing you all the very best for the result tomorrow, I'm sure it was just a formality. Not long now for a new round of hope, I really wish you all the best for this next one. Love, Fran

    ICLW

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  2. Understand completely about not being comfortable with a clinic/doc..
    and about the insurance issues. (Mine are related to the clinic messing up.)
    Thanks for stopping by my blog!! ICLW

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  3. Hi there. I think you and I are on the same track--I'm doing my next cycle in CO and waiting for biopsy results, too. Maybe we'll be out there at the same time? I'm doing a MDL cycle and am scheduled for retrieval on the 25th.

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  4. First, I want to say, that everytime I come to your blog, I get a serious craving for PIE:) Ha!

    So you are really fortunate with your coverage - I can't believe they cover that much. My coverage stops at $15,000. But I'm not complaining b/c it is better than nothing. And, hey, it's better to pay a little and get a good result than to not pay anything and not get what you want at the end, right? I'm really hoping that this far-away clinic is the magical cure! It's your time!

    And thanks for the advice on the Burger Bar - I love turkey burgers so I'll have to try to stop by!

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  5. Hi Pie!

    Thank you so much for stopping by my blog (reading the whole thing!) and leaving such a sweet comment about my Tommy. I would love to see pictures of your little fur-man.

    I'm a bit pressed for time right now, so I've only been able to read through the last 3 of your posts, but I plan on catching up with the rest very soon!

    I'm so sorry that your TTC journey has been such a bust thus far. =( And I know what a difficult decision it is choosing an RE you trust....even if it means paying GOBS more money.

    So you're gettin' ready for your next IVF, yes? I wish you nothing but luck! I'll be following along!

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  6. I know what you mean about the confusion of insurance. For the most part our coverage has been good, but it is so confusing and seemingly impossible to figure out what we will owe at any given point. Without wading into the current healthcare debate, let me just say that I work in communications for a living, generally consider myself a smart person - and it took me days to figure out that a portion of our IVF was covered.

    Sorry for the rant - and wishing you all the best in the next steps. Hoping the biopsy results are helpful.

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