Schedules
I’m completely bloated and burping up a storm. It’s aweful. Ugh!! AF sucks.
With AF right in my face I’ve been staring at the calendar trying to envision how this is going to go, when we’re going to get to do IVF. I become eligible for health insurance 90 days after starting, which will fall mid-November. Now I’m assuming it’ll take a week or two to actually get coverage, so I was thinking I’d be starting my BCP cycle with my December cycle, and end up with my IVF cycle – with retrieval and transfer – in January.
But I’m thinking here. I know an IVF cycle has to get pre-approved by insurance. So I can’t order meds until I get approval. But… can I do BCP before? I can pay for BCP myself, that’s not an issue. Would insurance consider the BCP cycle part of the IVF cycle? I think there’s a good chance I could get that in. Retrieval and transfer in December. September due date. There’s no way, even if I did do retrieval and transfer in December, that I would actually know if I was pregnant or not by Christmas. But it’s a step closer.
I don’t even know why a couple weeks matters so much, but I just. can’t. stand. the waiting. It sucks so effing bad and I just want to get pregnant again. Devin’s 6-month birthday is coming up next month, which depresses the hell out of me, and the only way I can see actually enjoying this Christmas is knowing I have an embryo inside of me… a real, honest chance at this pregnancy and baby thing.
I’ll add this to my list of things to talk to the doctor about. It’s a long list.
Your insurance should kick in the day they say it does. They have three months to process the paperwork. You don’t have to wait, even if you don’t have a card yet you will be covered, may have to pay a bit but you can always go and claim it after you get your information. But if they told you it would start November 1 you can start using it November 1.
BUT please make sure that they didn’t wait until the first of the month to send in your paper work like they did Shea’s. Shea got a kidney stone almost exactly 3 months after he started working again. BUT they didn’t put his insurance in until July 1 so we still had two weeks to go before we could use it. Would have been nice if they told us. So I would ask your benefits person when it really starts just to clarify it. But on that day you can use it.
That’s great… it’s what I was hoping for, but I didn’t want to bank on it. I’ll be hopefully finding out more at the orientation next week.
natalie
i had IVF insurance for my first two pg and it kicked in right way. now they don’t TELL you anything and you should call the day it kicks in and ask for a paper copy of what intertility treatments are covered and what are not. keep this. i did it and it came in handy. i had BC/BS and while it was an overall good experience i found that i had to be my own advocate. they challenged things and asked for lots of documentation from docs. also, insurance in some states is only mandated to cover a certain number of cycles to get pg with the first , second, etc. like where i live its 4 retrievals w/ unlimited frozen transfers for the first pg (even if you have trips or something they’ll only count it as one “live birth”) and then 2 for the second. they pay for egg donor but not surrogacy, etc. just get it in writing.
i TOTALLY understand about a few weeks making a difference. w/ my next IVF they want to give me a december 14 date and if i wait till jan 1 i can use health care flex account…but i don’t want to wait. i think dh understands on some level but not fully.
i say do what you can as quickly as you can
:)
KC – I’m really not even sure what the extent of it is in MA as for how many IVFs they’ll cover. I know it’s more than 2, lol. And in this case it works in my favor because Devin doesn’t count as a live birth.
Yes, I know how you feel–the only thing that kept me going after losing Zach was the thought of trying again. Potential delays made me want to tear my hair out.