IVF until we all get our bfp! 2012-present *13 w/twins & 1 w/triplets!*

[notoptimistic]

I have full coverage too - Harvard pilgrim - Massachusetts mandates coverage!

 

[Lindsay18]

Ash- I have Horizon.

 

[PRAYIN4BABIES]

Hi ladies....I had aetna until my husbands insurance kicked in at his new position....he has cigna which we pay 10% and have four IVF chances...no co payments...aetna at my job didnt cover much.... How is everyone doing?

 

[MrsC8776]

Hi ladies....I had aetna until my husbands insurance kicked in at his new position....he has cigna which we pay 10% and have four IVF chances...no co payments...aetna at my job didnt cover much.... How is everyone doing?

We have Cigna also and they don't pay a penny. They say they pay for testing and then fight you on it.

 

[almosthere]

My insurance is through DH, not my work-I am a pre-k teacher.

And so sorry to those with no coverage :/

 

[PRAYIN4BABIES]

Hi ladies....I had aetna until my husbands insurance kicked in at his new position....he has cigna which we pay 10% and have four IVF chances...no co payments...aetna at my job didnt cover much.... How is everyone doing?

We have Cigna also and they don't pay a penny. They say they pay for testing and then fight you on it.

Really???? Wow!!! Here I thought they were the best...its crazy how some insurances do not cover IVF.... it breaks my heart that couples have to struggle with companies to have a baby. it shouldnt be that way at all.

 

[drsquid]

kaiser apparently covers ivf unless you are on an individual instead of a group plan (as i am) then you are sol

 

[Stinas]

Lindsay - Once you said they were releasing you thats the first thing I thought of lol Your going to feel like those ladies on those tampon commercials riding the bikes like they dont have their periods(not that you do, but you know what I mean) lol

Mo - Sorry AF came, but yay for starting FET!

Almost - Thats a great jump!!!!!!

Wantababy & DrSquid - Im with you guys....I wish I had IVF coverage!

MrsC - I agree....it should be covered!!!

I have Horizon(group company plan) and it does not cover a penny.

 

[GettingBroody]

Mo - really happy it looks like you might get your FET done before the FS closes! Will be keeping fingers, toes and all things crossable crossed for you!! Hope af isn't being too mean and that she'll be gone soon

Almost - great beta!!

Everyone - There's no insurance cover for any fertility treatments in Ireland but the government does pay for the meds which is a huge help. We just pay the first €130 and they pay the rest....

Afm, my nose is so blocked!!! Today is my OTD so get to ring the FS and tell them I'm pregnant and schedule a scan! Makes it all seem more official!!

 

[Jenn76]

My insurance only covered a some of the meds: progesterone, estrace, antibiotics and superfact. My DH's coverage has a $5000 in a lifetime allowance for fertility meds only and they cover 90%. The procedure is zero coverage both plans. So this time around we managed to have $3500 of the $10,000 covered but next time it would cost us $8500 and then $10,000 for a third time.

I'm in Canada and usually Canada has good medical coverage but they don't consider fertility a necessity. And I don't think any insurance companies here cover anything more then what we got with my husbands. Funny thing is that is is a small company and mine is one of the largest. I really wish they would mandate something here for coverage.

I am surprised so many US companies have coverage. You always hear about these huge costs for medical service in the US verses here where even without insurance we are covered for most medical things. I only use my insurance for prescriptions and dental work. We also get one year off for Maternity leave which I'm happy about.

 

[Jenn76]

Mo - really happy it looks like you might get your FET done before the FS closes! Will be keeping fingers, toes and all things crossable crossed for you!! Hope af isn't being too mean and that she'll be gone soon

Almost - great beta!!

Everyone - There's no insurance cover for any fertility treatments in Ireland but the government does pay for the meds which is a huge help. We just pay the first €130 and they pay the rest....

Afm, my nose is so blocked!!! Today is my OTD so get to ring the FS and tell them I'm pregnant and schedule a scan! Makes it all seem more official!!

Yeah that's great! I still find it weird that they make you guys take a hpt and call in to say you are pregnant. Can't wait to hear about your scan.

 

[bubumaci]

Here, the system works if both partners are under state insurance / privately insured... because insurance works under the "costs-by-cause principle" when you are privately insured.
I am privately insured, my husband is with the state insurance. My insurance covered costs until the start of the stimming, at which point they said that if I am not the one with the fertility issues, that they won't cover anything else. My husband's insurance pay 50% of his costs, which are a total of about 40 EUR If you are privately insured and you are the "cause" then they pay 100% of the treatment...
If both parties are with state insurance then you get state support, which is 50% of the treatment for three treatments.

So ... we get to pay it all...

 

[Jenn76]

That sucks Bubu! It's frustrating enough not having coverage but to have coverage that would cover you if it was you that caused the infertility. Infertility effects both people I think I'd be more frustrated by that then no coverage.

 

[bubumaci]

Yup Jenn - that's the long and short of it. I find it a disgrace, to be honest. And furthermore, the state is complaining that we have a negative population growth rate ... I really think that, since they want and need more children to be born, that more support should be upcoming.
I mean - the unemployed get paid out of my tax money ... and so many take advantage of the system, have child after child after child - but don't contribute anything to the system. Then, you have couples like us, who pay heaps of tax, but don't get the support when we need it in cases like this.
My husband did say, that it is probably better that the fertility issues stem from him, because if we overcome that hurdle (i.e. getting to ) that the chances are high that the rest will be successful... So I guess I prefer it being this way around than knowing that my insurance pays everything, but that our chances are lower ... IFYKWIM.
But it is true, what you are saying. The infertility affects both of us and the insurance companies' policies just make it that much tougher.

On a different note ... I wonder how our minis are doing

 

[ashknowsbest]

Wow to much talk of Insurance ... not that I mind but most of them do SUCK! When I found out that I got 100% coverage I was shocked! I had to ask them like 3 times if they were absolutely sure because I really thought I wasn't going to have it.

Oh and 9 days left to go!

 

[BabyOnMyOwn]

Wow, I'm insanely jealous of all you ladies that have ivf coverage on your insurance. Mine covers nothing, everything is out of pocket. At this point I've lost track of everything I've spent between the iuis, ivfs, and meds.

Ah well, can't change it why stress about it?!

Happy Friday everyone! I'm waiting for my scan now to see how everything is going. I hope to find out when I trigger today. On the way here I saw a gorgeous rainbow. I'm hoping it will help bring good news.

Have a great day everyone!!

 

[bubumaci]

Rainbow = rainbow baby?

 

[BabyOnMyOwn]

Done with my scan... 11 follicles ranging from 6-15 in size. I go back in Sunday for another scan and blood draw. I'm not thinking too much about the smaller ones, but hoping some of the mid sized ones will catch up to the larger ones.

 

[Lindsay18]

Yay!! BOMO- great scan!

 

[Jenn76]

Yup Jenn - that's the long and short of it. I find it a disgrace, to be honest. And furthermore, the state is complaining that we have a negative population growth rate ... I really think that, since they want and need more children to be born, that more support should be upcoming.
I mean - the unemployed get paid out of my tax money ... and so many take advantage of the system, have child after child after child - but don't contribute anything to the system. Then, you have couples like us, who pay heaps of tax, but don't get the support when we need it in cases like this.
My husband did say, that it is probably better that the fertility issues stem from him, because if we overcome that hurdle (i.e. getting to ) that the chances are high that the rest will be successful... So I guess I prefer it being this way around than knowing that my insurance pays everything, but that our chances are lower ... IFYKWIM.
But it is true, what you are saying. The infertility affects both of us and the insurance companies' policies just make it that much tougher.

On a different note ... I wonder how our minis are doing

Will you get updates or do you only hear on day 5. FX that all 5 are progressing as hoped.

Wow to much talk of Insurance ... not that I mind but most of them do SUCK! When I found out that I got 100% coverage I was shocked! I had to ask them like 3 times if they were absolutely sure because I really thought I wasn't going to have it.

Oh and 9 days left to go!

Yeah Ash that's great that you only have nine days left.

Done with my scan... 11 follicles ranging from 6-15 in size. I go back in Sunday for another scan and blood draw. I'm not thinking too much about the smaller ones, but hoping some of the mid sized ones will catch up to the larger ones.

Sounds like you will have a great amount of eggs. One will be your forever baby.