I can’t even believe that I’m writing this post, but I am… And it’s true! We’re doing IVF! I’m currently on day 3 of birth control pills with Lupron scheduled to begin on the 17th followed by a baseline ultrasound on the 28th. So basically, this is happening. It’s really happening. And now I’m crying, again.
This time it’s happy tears.
I owe you all the back story of how this came to be. So here it is.
At the start of the new year I peed on a stick and discovered that once again, it didn’t work. Try # 8 didn’t work. FML. I was done. I cried. I was so f-ing pissed. I shut down for about a day and I drank wine… a lot of wine. I then called in to work and spent the afternoon thinking about everything we’d been through in the 8 months that we prepped to start this process, and the 12 months that we’ve actively TTC. I then waited for G to get home from work so that I could revisit a conversation with her that we’d had before. I told her that I would give it two more attempts and then throw in the towel. If try #9 and #10 didn’t work, I would walk away knowing I had tried my best. Knowing that I had given it all I had. I cried a lot and tried my best to convince her that this was a plan I was ok with.
She reluctantly agreed and began to wrap her head around the idea of being pregnant for a second time. Something she never thought would happen. It’s something neither of us ever thought would happen.
Knowing that I was only giving myself two more attempts, I wanted to give it all we could. I decided that it was time to start injectables. Georgia didn’t like this idea. To explain why, I’ll need to share another back story.
This past September our company announced that they were completely changing the insurance options given to employees. Thanks to the Affordable Care Act, (aka, Obama Care), the organization was going to open all options to employees to select their Insurance plan. We were given the opportunity to not only choose our provider but also the levels of coverage depending on the individual healthcare needs of each employee. Georgia and I immediately began doing research to find a provider that offered IVF coverage, which is something rarely offered in standard insurance plans. We ended up finding a private “Platinum Plan” that would cover up to 20K in fertility coverage (including IVF) as well as 5K in fertility medication coverage. We read the policy about 20 times and decided to go for it even though it would be significantly more expensive and even though we wouldn’t know if it actually would cover IVF or if I would even need IVF.
Fast-forward several months and were back at the conversation to begin injectables. G didn’t understand why we would use possibly all of our fertility medication coverage on injectables when we could just move on to IVF now. That thought hadn’t even dawned on me because I honestly didn’t think that IVF would be covered even though the policy clearly stated that it was. It just seemed too good to be true.
We contacted our RE’s office and had several conversations with their insurance specialist. Following her research reviewing our coverage and a call to the insurance company to confirm coverage checking actual IVF codes, she called to let us know it would be covered up to 20K. Now you would think that getting news like this would send Georgia and I into orbit, jumping for joy. But it didn’t. I didn’t believe her. Our next step was to go in for an IVF consultation during which time it was once again confirmed that we did have coverage.
In that consultation we decided to go for it and thus began our IVF journey! We went over the process, cost and calendared everything. I gave a ton of blood that afternoon and began birth control that evening. Our next step was to talk with the fertility pharmaceutical company that was sending us our big box of meds. For me, this was our first test to see just how good our “Platinum Plan” really was and if it REALLY provided the coverage we were told it did.
This brings us to yesterday and the call we had been waiting on. The pharmaceutical company called me back following the processing of our insurance to let me know what our out of pocket would be for all of my IVF meds. The rep reviewed all of the drugs that were ordered explaining how everything would be shipped and then gave me the grand total. $4239.40. My heart sank, but then she kept talking. She wasn’t finished and that wasn’t our out of pocket but rather the total cost. Our out of pocket was $88.00. EIGHTY-EIGHT FREAKING DOLLARS. Everything was covered, just as our policy stated it would be. I couldn’t believe it. I can’t believe it. I can’t believe that on Tuesday a big box of miracle drugs are going to be delivered to our home. Drugs that are going to hopefully help us create another little life. Drugs that are going to help get me pregnant. And now I’m crying again, ugh. This emotional roller coaster is killing me!
We know that IVF isn’t going to be free, but now we also know that it’s going to be much less expensive than we ever imagined it would be.
This is really happening and we just feel so incredibly blessed.