Thursday, February 14, 2008

Looking Ahead... I just went and checked my insurance coverage to see what all would be covered if we end up going down the road of fertility treatments after giving the CBEFM another four cycles to miraculously produce the results that two prior years of trying haven't.

And it's not good. I work for a major airline and have, what I previously thought, was awesome coverage. But here's what it says about infertility:


Infertility treatment: Expenses or charges for infertility treatment or testing and charges for treatment or testing for hormonal imbalances that cause male or female infertility, regardless of the primary reason for hormonal therapy.

Items not covered include, but are not limited to the following: medical services, supplies, procedures for or resulting in impregnation, including in-vitro fertilization, artificial insemination, embryo transfer, embryo freezing, gamete transfer, zygote transfer, and reversal of tubal ligations or vasectomies. Drug therapy, including treatment for ovarian dysfunction, and infertility drugs such as, for example, Clomid or Pergonal, are also excluded.

Only the initial tests are covered to diagnose systemic conditions causing or contributing to infertility, such as infection or endocrine disease. Also, the repair of reproductive organs damaged by an accident or certain medical disorders are eligible for coverage.

(emphasis in original)
ARGH! I'm not cross-covered by my husband's insurance, but even if I was, it wouldn't be any better. His insurance sucks bigtime...he needs referrals for everything and then not much is even covered. I was under it briefly while changing jobs - like 2 months or so until I got my own insurance again - and it was a waste to even have. $300/month in return for shitty coverage. No thanks. I'll get my own damn shitty coverage, TYVM.

So looks like if we need to get assistance...and at this point, that feels like a given, since it's been so dang long and with losses to boot...we're on our own dime.

Eligible expenses that can be reimbursed from your Health Care FSA (HCFSA) include medical, dental, and vision expenses, and other expenses not paid by your Medical Benefit Option, such as deductibles, copayments/coinsurance, oral contraceptives, physical examinations, and infertility treatment.

(emphasis added)
Ok, correct me if I'm wrong here (but I work in HR, folks, and I know I'm not) but the money in my FSA is MY MONEY. So really, not a benefit. I mean, it's pre-tax and all, and that's fab, but it's still not like my employer has ANY infertility coverage.

I can't believe that not even Clomid is covered. I mean, I don't think that'd be my miracle drug anyways, since I know I'm ovulating already, but I can't believe that that's not even covered. This just makes me so upset. Because we all know that infertility treatments aren't exactly cheap. And while FD and I aren't poor, we certainly haven't been setting money aside for special treatments, either. Instead, we've been paying off our debt so when a little one DOES decide to arrive, we won't owe any other money and can instead spend our money on a baby.

This changes things.


Oh, and BTW, started spotting. AF, you hag, just go ahead and start, would ya?




Anonymous said...

Oh you poor girl, i have been there. Not nice.

When i found out i wasnt eleigble for free ivf and that i would need to save $10 000 for only a 'chance'at a family, i felt at one of my all time lowest. We are in similar financial position as you described.

Hang in there, after the anger stage comes acceptance, eventually.


Future Mommy said...

Thanks, Neen. I'm working through that anger as best I can. I had a major blowout both yesterday afternoon and last night but I'm feeling calmer this morning. Just have to see what happens I guess. ARGH!