3

IVF Grants or Financial Advice Please

When Josh and I had our IVF Consultation our Doctor had mentioned a Financial consultant that we could talk to as well. I finally decided to call her after we got the news of only being able to do IVF. I called she I got off work at 3:30 and was told that she left a 3pm everyday. Of course, her working hours where the same as mine which meant I had to find time at work to have this conversation. I called the next day at 9AM to verify she got my message and that I would be receiving a call from her today. The receptionist said they would relay that message as well as letting her know about my voicemail from the day before. I called again at 1pm and did not leave a message. I called again at 240pm , thinking this will probably be at least a 20 minute conversation. They stated she was not in her office and they would relay the message. I let the receptionist know that I wanted a call back today and this was the 4th time I had called. She assured me I would get a call. I waited and then called back at 2:59 asking if she had left for the day and then I was finally transferred to the Financial consultant, Regina.

Regina stated she was on vacation and that she had 100 messages to go through so she apologized for not getting to mine yet. I said it was fine and I understood but in all honesty I was rather annoyed I called that many times with no response from her. But at that point I was just relieved to finally have her on the phone. When I told Regina I was given her info from my Doctor to talk to her about our financial options, she seemed slightly confused. Regina then went over the pricing of IVF with me, which I already knew but I did not say that. She went over my insurance with me as well. She stated that my insurance didn’t cover anything for IVF and some portion of the medications(I left that paper at work with the numbers). From there she told me we had to walk in with that $9,800 to get IVF done. She also said that since we were paying for it that there was the ARC program; which is like a package deal. Or the program through the hospital that can potentially pay for our 2nd round if the first doesn’t work. Regina quickly went over how they store the embryos if we don’t/can’t use all that develop. Which is $400 a year. After that Regina told me that we should look into grants if we need any further assistance with paying for IVF procedure.  Then ended the conversation. She rushed the information and rushed me off the phone. She didn’t give me any new information that I didn’t already know. I don’t know if that was the intent or not but I feel like she should have offered me more information. Now it is in my hand and I am very overwhelmed.

To explain better as to why we don’t want to use some other options that have been told to us by others to use. We do not want to sign up for another credit card because we are doing a very good job at paying off our debit. We have 4 more cards to pay off…We had too many credit cards and are trying to consolidate. We also do not want to dip into our 401k’s because we have not been at our jobs long enough for that to help a lot and we don’t want to use 401K funds at all. We are saving money right now but that is going towards a roof that we desperately need so we don’t want to use that either. We do not want to crowd fund yet either. I say yet because my husband and I discussed that IF IVF doesn’t work and adoption is the only option we would consider crowd funding at that point. From my understanding, that leaves us with grants.

Can anyone give us advise on Grants that are good in Ohio? Or any state? Or for veterans?  Do they all cost money to get? I am struggling looking through these mass amounts of sites.I am just so overwhelmed with the amount of them that are offered and I don’t know where to start or which ones are legitimate. Any advice is more then welcomed.

6

Endometriosis Surgery Question

I called my Insurance back again to verify what was or was not covered. Taking multiple peoples’ advice I contact my Doctor’s Office first to get the more precise information to ask the Insurance company. I called and spoke with Lisa* who was specific to my doctor(a nurse, secretary, or something like that). When I spoke with Lisa* she told me the procedure code for the Diagnostic Laparoscopy. She then told me to not mention Infertility at all(which I knew after talking to you fine folks). I then contacted the Insurance company to ask the question yet again. I told the woman on the phone that I had a procedure code and wanted to verify if it was covered under my new insurance? I gave her the code and she said,” Yes, it is covered…depending on why it is being done.” I was baffled that she could even say that, “depending on why” What? Why does that matter? I asked the obvious question, “What do you mean by that?” She responds with, “Well, if you have predetermined symptom that suggest Endometriosis that it could be covered but if it is being done for Infertility purposes then it could be denied” WHAT? I didn’t even say Infertility, do you have a note on my file? Do you know me? I was blown away. At that point I was just confused as to what I was supposed to do but held it together and pushed the confusion aside to finish this conversation. After we hung up I was so pissed. There is no way to candy coat this. I was confused as to why a procedure could be approved for patient A because they have signs of Endo but Patient B wants to have a child and needs to this test but it is not approved. Why is an Insurance Company allowed to do this? UNBELIEVABLE!

Today I decided to contact my Doctor again to find out the soonest I could have the surgery and get a quick overview of the surgery because I knew nothing about what was going to be done to me. All I knew is that I was going to get 2 small cuts and a camera was going into me to check for Endo. I called the Doctor and it was Lisa* again. I told her what my insurance said and she was very kind. She looked over what I had done last year to see what was and wasn’t covered. Everything was covered but that wasn’t any help to me see as I have a whole new Insurance Company now. But it was nice she went out of her way to look into that. She then said that we should hopefully be able to cover it so that it is mostly covered by the insurance. Once I heard that I felt a little relief. Now time for procedure questions: I asked when was the soonest I could have the procedure done? She said that it depended on my cycle and asked when my period started. Well, it started Sunday Night. Lisa responded with, “Next week then….so….Monday Tuesday or Wednesday….Tuesday the 27th would be when it is available.” WHOA that is quick. Well, my job is extremely short staffed so I know that is not possible. “When would be the next time?” “Well, again, that depends on your cycle. You would call us when you start and we could schedule from there.” Thats fine. Thats how most things work when you are getting testing to have a baby. Lisa continued, “The procedure takes about and hour and a half depending on what she finds” What do you mean by that? I thought she was just looking around. “If the Doctor find signs of Endometriosis then she will remove what she can which could potentially make the surgery last longer and the recovery last longer as well.” Ok, that makes more sense now but it also makes me a little more nervous. I have never been put under…EVER! So, the idea of almost an unknown time of how long I will be under is a little unnerving. I told Lisa* that “I was under the impression that I would be able to get the surgery Friday and come back to work on Monday.” Her exact response, “Oh, you are a strong woman! We suggest taking a week off(thats the max.) and you are limited to what you can do.” How in the world am I going to be able to take a week off work when we are short staffed? I don’t want to use vacation time for this. What if I don’t even have Endo and I have to take all this time off? OH GOODNESS! Lisa* then asked me what I do and I told her(I work at a bank). She said, “You are limited to lifting 10 lbs. which means no lifting Coin or heavy bags of money, are you in charge of the Vault(yes)? Then you will definitely need help with the money once you go back. You need to be very careful you don’t tear or rip anything the Doctor did.” Rip or tear….that sounds great. That was all I needed and was exhausted from the information I received. I told her that I would contact her once  verify when I can have the surgery and it would most likely be next month after my period.

I contacted HR through my work just to verify what I am supposed to do when I have the surgery and I will use sick time to cover my time off. I was just comforted that I didn’t have to use any vacation time(if I use more then a week I will but I don’t plan on that). After doing some basic math I believe that it was between CD 9-11 I am supposed to get the surgery done. Well, instead of guessing I figured I would just call the Doctor’s Office back to ask. When I called the new lady I spoke with said that it didn’t matter when I had the surgery, I just couldn’t do it when I was on my period. Now I am even more confused. I want to do this sooner rather then later but I don’t want to overwhelm myself. The 26th of February I am having a wisdom tooth pulled and having a crown put in. An hour and a half appointment that I will need some recovery from for sure.  I was hoping that if there isn’t a time frame that I can get it done on February 20th. Six days of recovery should be enough right? Maybe? So here are my questions for you ladies:

Is there a certain time I need to get this surgery done?

How long should I give myself for recovery?

Is it a bad idea to do the surgery so close to my dentist appointment?

What was the surgery like for any of you that had it done? and the recovery?

How long was the surgery?

Whats the next step if it is Endo?

What’s the next step if it isn’t Endo?

Any help would be greatly appreciated! =]

8

Lack of Reassurance and Insurance

I called my new insurance company the other day to verify what they do or don’t cover for Infertility. I finally got to a person and asked the question. “What is your coverage on Infertility?” The man on the phone said the things you always hear,”Let me look you up to verify what is covered…SS#, DOB, Name, and whatever other information he asked I willingly gave to get my answers. He finally said,”We cover the testing of Infertility.” I was waiting for more words but nothing. I then asked, “What does that mean?” He said that any testing needed to find out the source of Infertility is covered” My testing is covered, OK Great, but what from there? What about my treatment after this “testing” that is covered? I asked with a fear because I already knew the answer. He didn’t say it for a reason so why even ask but I did. “What about treatment for the testing?” “No, that is not covered” was quickly heard coming from the other end of the phone. I responded with,”Just to make sure if I am tested for my tubes being clogged or Endometriosis and the results come back positive then the treatment for those things to be removed ,or whatever you want to call it, is not covered?” Another quick response,”Correct.” That was it. I am going to call tomorrow just to make sure because I find that odd. At least with my old insurance it covered treatment but new junk doesn’t.

I don’t know what to do. All the Fears are back and the Thankful is slowly dwindling away. I am almost wanting to put a pause to this whole thing(again) simply because of the cost. My dental bills are cut in half right now but I need more work done so those will go up again in no time. I am at a loss. I want to be a mother so bad and I want to have a baby so bad. I think that I am going to still do more research with my husband’s new insurance that would start in March. If that covers more than I will for sure switch to that and move forward with more testing. Even if I don’t move forward with Josh’s insurance that I will do the testing for Endometriosis for my own sanity. I have this gut feeling that is what it is and I’m hoping(and not hoping) that I am right. I think I am almost leaning on that diagnosis just so I have an answer. Infertility because of Endometriosis is better than Unexplained Infertility. We will just have to wait and see.