My talk with the insurance company went pretty much as I expected. They could not/would not give me a definition of what "Diagnostic Testing" procedures were covered; just that anything to diagnose infertility is covered. So I think I'm good on the HSG but I think it will be on a case by case basis. I asked about the sperm analysis and she said to just have my provider write a letter explaining that the test was ordered for infertility diagnostic testing and it would probably be covered. Considering that it was only $65 and done back in January and I've already paid the bill, I think I will let that one ride. If they don't cover the HSG, I'll have enough to deal with fighting that one.
On the drug front, it looks like neither Clomid nor progesterone are covered. Anyone have an idea on the cost of these?
I really wanted to be closely monitored on the Clomid to make sure it is helping me but I think that those ultrasounds won't be covered since it is infertility "treatment" and not diagnostic. At $300+ a pop, I am rethinking that. I still have some research to do to see what other kind of monitoring is available. My insurance will cover most bloodwork at 100% so maybe there are options there.
I feel like I've got big black financial clouds hanging over my head. How much does one spend in the pursuit of having a baby? Then there's the whole income tax audit issue. Not to mention the very real possibility that J could still lose his job in the near future. I can only hope that his company can hold on long enough for me to get the HSG out of the way and get pregnant, since pregnancy, by law, cannot be considered a preexisting condition. On the other hand, he's got some contacts with a company that I'm sure has very good insurance coverage that would probably cover infertility. Well, I'm still holding out hope that I'll do the HSG and have an all clear and get pregnant right away with a healthy baby. Like I've said before, a girl can hope, can't she?!
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2 comments:
Well, it's good HSG are still going down, there's little left right now!!!!
And on the insurance subject, I can't really help you, because here I think it's quite different. Every working person must have health coverage, public or private. And the coverage depends basically on what you pay to the health-coverage company (in the private case, because the public institution is REALLY bad). The more you pay, the more it covers. It nevers covers 100% anyway. In any case, however, there are things "never covered", I don't know exactly which.
Good luck with all the learning you have to do!!
My progesterone suppositories were about $65 for a two-week supply without insurance.
J may lose his job - or jump ship - but he's determined to keep trying for a baby and go through with the tests. In the end, no one will wish they'd saved money instead of had a baby.
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