Hi all!
Smythdm, agree with Jchic - just turn it back on on CD 1.
My day yesterday was OK. Went out for thai food with hubs, and then to applegate farm for ice cream (Jchic, you know what I'm talking about!). I also made this huge photo collage with wedding pics and captions/card. DH loved it. He got me a Vera Bradley tote and matching umbrella - cute. Hoping I can use it as a diaper bag someday soon.
Had a kind of hellish day dealing with insurance issues. DH lost his job in June, but his former employer paid for COBRA for 6 months. The subsidy runs out at the end of the month. We can pay for COBRA ourselves if we want, but it's very expensive (1800 a month for the family). The infertility benefits on that plan are OK - but there is a lifetime maximum of 10K (includes IUI and IVF), and there is 10% coinsurance that we are responsible for. DH can enroll in his new employers plan, a HMO, but there are no infertility benefits (small company), so that's not really an option. We can enroll in the benefits offered by my job (MUCH less expensive than COBRA, about 3K and change for the year). The benefits are OK for infertility - a 10K max, which includes IUI, IVF and all the drugs. No coinsurance. Which means that there is zero out of pocket until you reach the 10k max. What I'm worried about with this plan is that we will reach the 10K max faster, because drugs are included in the benefit, and the drugs, especially IVF drugs are so expensive. I found out that a cycle of IVF costs about 10K, and the drugs are another 3-6 K. Of course I am hoping that I get knocked up soon, with only IUI, and this is a non-issue, but if we do need to go the IVF route, I am so worried that we will have exhausted our 10K lifetime max on IUIs etc., and there won't be much left over to cover the IVF. We don't have a lot of extra cash at the moment, as DH started a new job, and will probably be getting paid less over the next couple years until he can build the business up. Also - we don't have a ton of time. Insurance only covers you up to a maximum age of 44 (men) in New York (where we are insured), and DH is 42... So it's not something we could put off for a year or two while we wait for our finances to improve. Ugh.
will stick around and become the best gift in the world!
I am sorry Daisy. I responded in your journal with this. I hope it all works out. IUI will work, so you wont need to worry about IVF.
