Our IVF RN just called-- our insurance has authorized our IVF! It may not be under the tree, or wrapped neatly with a bow-- but it was exactly what I asked for!!
We have a tentative schedule starting with an appointment to go over my medications next Tuesday. Tentative egg retrieval (if all goes exactly as planned) is now set for the end of January.
There really aren't any words to cover how excited we are-- I'm trying to remember that anything can happen and my focus needs to be on staying healthy as we move forward!
Hope everyone got exactly what they wished for <3
Showing posts with label Insurance Coverage. Show all posts
Showing posts with label Insurance Coverage. Show all posts
Thursday, December 26, 2013
Friday, August 23, 2013
Dear Pam and Horizon Blue Cross..
Dear Pam,
If you stumble here somehow and manage to read this I truly want you to know how truly thankful I am that I reached you on the other end of the benefits line today. I want to apologize for bursting into tears and making you emotional and worried about me. Most of all thank you for fixing the billing issues.
I know how blessed we are to have wonderful insurance. I wish so many others were as blessed as we are. For all of our IUI's up until June 2012 we only had to pay a $10 copay for each visit. The only additional payments we were required to make were for blood work in regards to progesterone because my insurance company wanted me to go to another lab for that.
So when we received $1202.36 bill yesterday for June's IUI and July's blood work I nearly fainted. How could we go from having coverage and never receiving a bill- to receiving this large bill? This large bill that needed prompt payment prior to any further treatment. My husband lost his job in June, and at that time we switched the insurance over to my name. It is the same exact insurance company though. So what went wrong? Why don't we have coverage. anymore? Why are our deductibles threw the roof right now?? Did I do something wrong when I switched the insurance? We can't afford this is our IUI going to be cancelled?? So many questions. So much going through my mind.
So today I went to the doctors and found that my little lonesome follicle did grow to 19mm and lining was still okay at 7mm so my IUI was scheduled for tomorrow morning. We can't afford the bill we just received, let alone go through with another IUI if there is change in our coverage right now. So when I got home from the doctors office I promptly called the benefits line.
Thats when I reached you Ms. Pam. You took your time to explain that the issue was that all the information from our insurance when under my husbands name needed to be transferred to my name. The bills would be resubmitted, and we wouldn't owe anything. We wouldn't OWE anything.
We are still covered. We can move forward in this cycle. I didn't do something wrong.
We wouldn't owe anything.
And then I started hysterically crying. You told me to take a deep breath. You promised me its all okay and there is no change in coverage. You wouldn't hang up until I stopped crying. You wished me luck. You were a human. You were like a mother.
Pam you made my day. You really lifted a weight that had me backed into a corner. I was so scared that we were not going to be able to do this IUI. After all the other worries I have about this cycle- billing was not one of them.
So while you may never find your way here, and you are probably currently leaning into a coworkers cubicle to tell them you just had a hysterical woman on your line- I truly thank you from the bottom of my heart.
You see in this journey there is already so much. I've been carrying it around and pushing forward for so long now. I put on my happy face. I don't cry often- and unfortunately for you- you recieved me at the end of my rope.
They were happy tears Pam. Tomorrow I will go to the doctors office and have my IUI. Everything will be covered by my insurance. My super follicle has stuck around and there is no reason left that this can't work.
So Im sorry I burst into the tears- but I am just so happy that this may be it. That after lots and lots of hurdles - maybe this is it. And you Pam- you had a part in it.
Im so thankful.
So very thankful and blessed.
Love,
The way overly emotional infertile woman you just hung up with<3
If you stumble here somehow and manage to read this I truly want you to know how truly thankful I am that I reached you on the other end of the benefits line today. I want to apologize for bursting into tears and making you emotional and worried about me. Most of all thank you for fixing the billing issues.
I know how blessed we are to have wonderful insurance. I wish so many others were as blessed as we are. For all of our IUI's up until June 2012 we only had to pay a $10 copay for each visit. The only additional payments we were required to make were for blood work in regards to progesterone because my insurance company wanted me to go to another lab for that.
So when we received $1202.36 bill yesterday for June's IUI and July's blood work I nearly fainted. How could we go from having coverage and never receiving a bill- to receiving this large bill? This large bill that needed prompt payment prior to any further treatment. My husband lost his job in June, and at that time we switched the insurance over to my name. It is the same exact insurance company though. So what went wrong? Why don't we have coverage. anymore? Why are our deductibles threw the roof right now?? Did I do something wrong when I switched the insurance? We can't afford this is our IUI going to be cancelled?? So many questions. So much going through my mind.
So today I went to the doctors and found that my little lonesome follicle did grow to 19mm and lining was still okay at 7mm so my IUI was scheduled for tomorrow morning. We can't afford the bill we just received, let alone go through with another IUI if there is change in our coverage right now. So when I got home from the doctors office I promptly called the benefits line.
Thats when I reached you Ms. Pam. You took your time to explain that the issue was that all the information from our insurance when under my husbands name needed to be transferred to my name. The bills would be resubmitted, and we wouldn't owe anything. We wouldn't OWE anything.
We are still covered. We can move forward in this cycle. I didn't do something wrong.
We wouldn't owe anything.
And then I started hysterically crying. You told me to take a deep breath. You promised me its all okay and there is no change in coverage. You wouldn't hang up until I stopped crying. You wished me luck. You were a human. You were like a mother.
Pam you made my day. You really lifted a weight that had me backed into a corner. I was so scared that we were not going to be able to do this IUI. After all the other worries I have about this cycle- billing was not one of them.
So while you may never find your way here, and you are probably currently leaning into a coworkers cubicle to tell them you just had a hysterical woman on your line- I truly thank you from the bottom of my heart.
You see in this journey there is already so much. I've been carrying it around and pushing forward for so long now. I put on my happy face. I don't cry often- and unfortunately for you- you recieved me at the end of my rope.
They were happy tears Pam. Tomorrow I will go to the doctors office and have my IUI. Everything will be covered by my insurance. My super follicle has stuck around and there is no reason left that this can't work.
So Im sorry I burst into the tears- but I am just so happy that this may be it. That after lots and lots of hurdles - maybe this is it. And you Pam- you had a part in it.
Im so thankful.
So very thankful and blessed.
Love,
The way overly emotional infertile woman you just hung up with<3
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