My wife and I have been trying to have our first child for some time now. After consulting several doctors, we decided to try IVF. Before starting the IVF cycle we talked to them about cost. They gave us some numbers based on typical medications, procedures, etc.
For those of you unfamiliar with IVF, they do bloodwork to check hormones and other numbers and then have her take medicine to get the right if needed. They then have her take multiple injections everyday for around 12 days which cause her ovaries to grow by about 4x the normal size. Then they give her an injection to trigger her and go in and harvest. After that they take and mix it with the boy stuff and after they’ve grown for up to 5 days they put them back in her. Then you wait to see if successful or not.
I will stop here and say that we are blessed in that my wife’s company health insurance will pay up to $50k for family planning. They’ll only pay for $10k of prescription costs which is included in the $50k. I say only $10k because that’s not even going to cover all of the medication cost for 1 cycle. The reason it won’t cover 1 cycle is because they charge the insurance company $4K for a medication that if we pay out of pocket for is “only” about $900. So they eat up all this cost just because of insurance. Then we have to pay more later because they just blew right through it. And they know we’ll find a way to pay because we’re already committed.
It just makes me so angry that these companies run scams like this. And quite frankly, I don’t know what else we can do, but pay it and play their game.
I know there’s gotta be people out there who weren’t as lucky as us and are still paying the financial toll. And they’d probably do it again for the chance because I know the desperation that they felt to have a child, as I feel it.
We’ll make it through this with God’s hand on us.
Rant over.
Look out for some deals in the classifieds in the coming weeks.
Sent from my iPhone using Tapatalk
For those of you unfamiliar with IVF, they do bloodwork to check hormones and other numbers and then have her take medicine to get the right if needed. They then have her take multiple injections everyday for around 12 days which cause her ovaries to grow by about 4x the normal size. Then they give her an injection to trigger her and go in and harvest. After that they take and mix it with the boy stuff and after they’ve grown for up to 5 days they put them back in her. Then you wait to see if successful or not.
I will stop here and say that we are blessed in that my wife’s company health insurance will pay up to $50k for family planning. They’ll only pay for $10k of prescription costs which is included in the $50k. I say only $10k because that’s not even going to cover all of the medication cost for 1 cycle. The reason it won’t cover 1 cycle is because they charge the insurance company $4K for a medication that if we pay out of pocket for is “only” about $900. So they eat up all this cost just because of insurance. Then we have to pay more later because they just blew right through it. And they know we’ll find a way to pay because we’re already committed.
It just makes me so angry that these companies run scams like this. And quite frankly, I don’t know what else we can do, but pay it and play their game.
I know there’s gotta be people out there who weren’t as lucky as us and are still paying the financial toll. And they’d probably do it again for the chance because I know the desperation that they felt to have a child, as I feel it.
We’ll make it through this with God’s hand on us.
Rant over.
Look out for some deals in the classifieds in the coming weeks.
Sent from my iPhone using Tapatalk
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