withinreach
10-26-2005, 11:23 AM
Hi, guys. Here is a little background info. Husband and I have been trying to conceive for over 4 yrs now. Dh is 30 and I am 32. I have a daughter from a previous relationship who will be 11 next month. After seeing a specialist 2 1/2 hours away, all they could find was that my husband had low sperm count. Blood tests and HSG came back fine for me. We attempted 2 IUI's with no success. We live in South Texas so insurance coverage was only for diagnosics only. We have been for the last year and a half trying to decide if we wanted to attempt invetro or not. In that time I am convinced that I have PCOS although no one else seems concerned. I have always been a person who could predict when AF was coming. My cycles were 30 - 32 days but still that was regular for me. Now is a different story. For about the past 8 months they have become very irregular 60 days, 42 days, 45 days ect. They have also become very painful to where I live on Midal the entire time. I recently switched OB's because my old one refused to see past my weight issue. Every problems was a result of me being overwieght. I'm 5ft and weigh 160. The doc I have now is very proactive and wants to get the ball going. She does IUI's in her office, but again she is only listening to me to a certain extent. I am having a laparoscopy done Fri to rule out Endomitrosis and check my tubes again. I have gained weight that will not come off not even with calorie count, portion size and exercise. The only thing that has worked is low carb. I have a major increase with facial hair almost to the point that I want to wax my entire face. I also have acne that will not clear up. I always had a clear face with a pimple or two around AF time. Now it is crazy, they hurt and will not go away. Wait....it gets better. My huband is the one who carries our insurance. When we had all the testing and IUI's his company was in the process of being bought out. Now this company that bought them kept the same insurance just have a different group number. We didn't have to start fresh with deductables or anything like that. This was a bigger company, so I checked what the coverage was for infertility, and was told diagnosis and treatment was covered. I was excited :bouncing: called the clinic and when they verified was told otherwise. I dropped into depression again. Now for some reason I checked online with our benefits and to my suprise there was a section that read "Annual Infertility Services Maximum $10,000. I was like what the heck all this time. I wanted clarification, so I e-mailed them. They responded by stating their words...Your plan (company name) includes coverage for the diagnosis and treatment for the undlying medical condition cause of infertility. AI, ovluation induction, IVF, ZIFT, GIFT, cyropreserved embro transfers, and ICSI/Ovum microsurgery covered are at 80% after the deductible ot a $10,000 lifetime maximum. Can you believe it>!! I can't!! It looks as though we have coverage and all this time has been wasted. I e-mailed them again for more clarification...I guess I will wait and see. I know there has to be a catch, like pre-exsisting condition although I remember being told preexistings won't be a problem or wanting to start from square one. What do you all think my next step should be??? I am truely tired of the roller coaster ride, all the $$$ we have already spent, and just the sadness of not being able to carry another child. I know many of you are saying at least I have one. Which is true, I am extremely greatful for my daughter, but her father was very absusive and it was a difficult pregnacy. My husband now is truely a wonderful man. He is soo understanding, kind, and full of heart. I want him to experience childbirth, the first kick, sonogram, ect. My daughter is also sooo lonely. She wants so much a little brother or sister. Thank you all for taking the time to read my book of an entry and all who respond.

