Calling all RMA Ladies (1st page updates)

[Helena_]

does anyone know the cost of iui at rma? My insurance will pay 80%, so I wanna get an idea of what I'll be paying out of pocket

 

[DaisyQ]

Yay, HelenaLynn, so glad you liked Dr. Kim - I hear wonderful things about him.

I'm not sure - call RMA and ask to speak to a financial person, and they can tell you in 2 seconds flat what the charge is. The CHARGE though, is not necessarily what your insurance pays - there is a negotiated rate, and you'll have to pay 20% of that. For example, for straight IVF (not including monitoring, ICSI, anesthesia), RMA NY charges 10k, but insurance pays 6k. So in that scenario, you would expect to pay 20% of 6k or $1200. If you give them your insurance info, they should be able to tell you in more detail what to expect to pay.

 

[Helena_]

I found the info in some papers they gave me. IUI is $3,085. So insurance would pay 80% of that? I'm a bit confused about the negotiated rate.

 

[DaisyQ]

You have to find out, either through RMA or the insurance company, how much the insurance company will pay - that's the negotiated rate. And you'll pay 20% of that amount. I know it's a super confusing fucked up system we have here!

 

[DaisyQ]

And the negotiated rate is always less than what the is being charged. If you look at old insurance claims statements, you'll see how it works. You'll see what was charged, and how much insurance paid (which is 80% of the negotiated rate).

 

[Helena_]

I have a feeling that this is going to give me a BIG headache. Hopefully I'll get more answers when the financial coordinator calls me on Wednesday. Does anyone else have Maria?

 

[DaisyQ]

Don't worry, you'll get all the answers you need. Unfortunately in our health care system, prices are never transparent. But you'll get all the info you need.

 

[Helena_]

thanks for all the help, Daisy

 

[DaisyQ]

No problem! I found all of this very confusing too, but I'm learning a lot...

 

[Helena_]

someone needs to write a book on all of this! haha fertility treatment coverage for dummies

 

[jchic]

Hi ladies!

Helena - so glad you liked Dr. Kim! Great news lady! Are they going to remove any of the cysts or no prior to your IUI cycles? Also, call the finance dept at RMA, they are really helpful!

How is everyone else? I have my appt with Dr. Morris via phone today at 1:30pm and CANNOT wait to find out what we are going to do. I am going to request a lap ASAP (she wont have a problem with this I am sure) and then onto IVF! I will update this afternoon!

 

[tryinginNJ]

I'm going into West Orange (Dr. Kim) for my day 3 blood work and ultrasound. Ready to start the medicated IUI this month. A little scared and very hopeful!

 

[jchic]

Trying - good luck!

 

[Helena_]

Jchic- there wasn't any mention of that, but I wanted to ask the nurse about it, thanks for reminding me!.good luck on the phone appointment!

Tryin- good luck!

 

[jchic]

just got AF

 

[DaisyQ]

. Onto IVF my love. It will work!!

 

[Helena_]

I'm sorry Your ticker says 8dpo, is that right?

 

[BlueStorm]

Blue - they do it earlier in your cycle, right? I am thinking they will do it in a week or two, and then we can start IVF. So you were good to go? I feel better knowing a good doctor will be doing it, probably yours if he does all the laps! Where do they do it? In Morristown? How soon after they told you you needed the lap did they do it? Just trying to get a timeline down....

They were going to put me on bcps to surpress my cycle but the timing worked out ok. It just depends on when you schedule in coordination with your cycle. I think it was about a month after they found the cyst that I had the lap. I had mine done at CARES Ambulatory Surgery Center in East Brunswick, Not sure if they do all there or not. It's right next to St Peters hospital, I think it's East Brunswick. I'm sure you will find out more today and then Jessica will call you to schedule everything.

Well I decided that it's wayyy to hot to go to CP today! Had my appointment with Dr. Copperman and I love him actually. I don't know what everyone who had bad things to say about him was thinking but I think he's GREAT! He was very nice to my OH and I, answered any questions I asked him. He did a ultrasound to see how everything looked today and he said everything looks GREAT and that he doesn't know why I haven't gotten pregnant but that he will do everything he can to get me pregnant. The plan is one more round of IUI with 100mg clomid days 3-7 then IUI 24 hours after trigger shot which is a change from my other two because we did IUI 36 hours post trigger before. So this should be interesting. If that doesn't work, then we'll be doing injectables the next cycle and then if that doesn't work ... I think that puts us at July then we'll be doing IVF. Copperman said if I'm not pregnant by July then IVF is it and he didn't push for it but he said that would be his recommendation so I feel good about that. That is kinda of what I wanted to do anyways. I feel like the one more round of clomid is a waste but because he's changing the insem time to 24 hours instead of 36 then I feel like it's worth a try since it's different than the last two.

Overall I'm happy and if it comes to IVF it is what it is. I kind of knew I would have issues getting pregnant anyways. OH and I went to lunch outside on the way home which was beautiful! and now I'm home, relaxing. I think I'm going to knit for a while!

So glad you liked your RE and your appointment went well. It sounds like you guys came up with a good plan and you will be prego by summer!

I posted the same thing in my journal, but thought I'd update here.

I LOVED Dr. Kim! The whole experience was much more pleasant than I thought it would be. I was out of there within an hour, so that was nice. My nurse will call me tomorrow to go over the plan of action, but I'll be doing injectables and an insemination (so IUI?). My ultrasound showed 20 cysts on the right side and 15 on the left and my lining was (I think he said) 8, or at least something to do with an 8. My transvag HURT as soon as he shifted it to the side to check out the ovaries. I felt like I was going to throw up. I should have a better idea of the time frame tomorrow. I'm SO happy and relieved. I feel like a huge weight has been lifted off of my shoulders.

So happy your appointment went well. I hate teh transvag it alsways hurts me for some reason when they are moving around looking for follicles.

just got AF

ughh...sorry she got you but at least now you are one step closer to lap and IVF

 

[jchic]

I think looking at the calendar, that I ovulated the night of my trigger! WTF! Yes, at least we are one step closer, got to see the positive in this or I will drive myself crazy. I keep feeling like God is punishing me or just not listening to my prayers, but I KNOW thats not the case....

 

[jchic]

I'm sorry Your ticker says 8dpo, is that right?

No, my ticker is wrong...I am 12 or 13 dpo today