As for the temp chart.... I am sure that the majority was correct. As you can see I have been showing a decline in temp and I am having symptoms of O. I am sure that this will be the time. I am still exstatic as this is cd14 and that is still right on track and early for me. woooooo hooooooo. I am not telling the hubby though as he thinks the O is over and there is no stress on him, sex is fun and spontaneous. I love it that way. lol.
I also spoke to the Fertility clinic today as I missed their call yesterday. She was explaining to me about my insurance. They are telling me that I have a $500 deductible and a $1000 out of pocket with a lifetime payment of $12,400. My prescriptions come from another company thru the mail and I am happy that they are covered as well although I don't know what the regimin will be so I can't get a feel for it. I am just wondering, if there is anyone who has been thru IUI or IVF and had their insurance cover it.... could you explain to me how that works. I mean do I jsut outright pay for the deductible and out of pocket and then it kicks in.... I am just confused. The nurse really didn't know anything and lord help us if you call BCBS with questions. lol. Any help is greatly appriciated. Thank you all again for your help in the last post.
9 comments:
HI, I'm visiting from ICLW. I have no clue about the insurance stuff, but I think it's great that you are having your alone pool time!
Enjoy!
I have to say, and I would have on my last post but I don’t like to sound like a downer, but I believe when I O'ed early, the egg didn’t have time to mature enough to fertilize (who knows though, right?) but I feel a later O will be better.(but not too late, we want ripe eggs, not rotten).
Anyway, I know what you mean about spontaneous BD, my poor DH sometimes cant even finish if he's under pressure, then it leaves me crying (or just really disappointed and he hates disappointing me in that department)
As far as the insurance, have you checked out Nancy's blog, here is one (of probably many) that has some info on how her insurance handled IVF. But I believe it's a rare thing, however she has an insurance that really helped her with her IVF. There is also ton's more info on http://stirrup-queens.blogspot.com/ but you probably have that link.
yay O time!! my insurance covered NOTHING so I cannot help you! But I imagine you would pay for it and then submit a claims form?? thats how it is done here for other things!
Hi from ICLW. Alone time in a pool must rock. Mental note, make a friend with a pool.
We saw and RE but didn't do IUI or IVF, we paid our co-pay and billed the insurance. Whatever the insurance denied (becaue of deductible etc) we then paid to the RE. I am surprised the RE didn't have an idea how it would work. Best of Luck!
(ICLW) WOO HOO!!! You're going to O! Good luck and catch that eggie!
Ask for the offices billing number and call them. Our nurses don't know much about the insurance bu the billing office and front desk (Me!) tend to know more since we deal with it daily. HTH
Coming over from ICLW...
Sorry, I'm completely out of pocket. I guess the silver lining is that I don't have to deal with insurance companies.
we always paid on our own. good luck!!!
If you have IVF/IUI coverage through BCBS, it's a miracle! I have BCBS of TX and have zippo coverage except for the meds so all of it was out of pocket for me.
ICLW
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