JodyC
02-27-2003, 03:47 PM
OK, I am crying, so this is going to be short (I have to go home from work). AF came today, so I called the RE to find out about what to do, and they told me that they got a note from my health insurance saying they don't PAY FOR ANYTHING anymore, not even my blood tests or ultrasounds. No money means no baby. I don't know what to do.
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smsm
02-27-2003, 04:28 PM
I am so sorry Jody to hear that but believe me don`t give up and i know ur feelings right now because i passed through the same situation the last month ,
KEEP PRAYING AND EVERY THING WILL COME IN ITS TIME , JUST DON`T GIVE UP , KEEP HOPES
KEEP PRAYING AND EVERY THING WILL COME IN ITS TIME , JUST DON`T GIVE UP , KEEP HOPES
RattyG
02-27-2003, 04:36 PM
Oh Jody. I am so sorry that this is happening to you. Try to take a deep deep breath and see your options clearly. Sometimes situations seem hopeless not because they are hopeless but because we are too sad, tired, disappointed, and frustrated to hear the voice of hope through the din of despair. Let yourself "recover" from AF's appearance. Take some time to take stock of where you are on this journey. Then take up the next challenge.
Remember too that you are a good person with a good life no matter what.
Remember too that you are a good person with a good life no matter what.
tazink
02-27-2003, 04:52 PM
I am so sorry that AF came and also very sorry to hear that your insurance will no longer cover your treatments.
Just a suggestion, you can ask your doctor do bill your treatments as ovulatory disfunction instead of fertility treatment and it should be covered. This should get you through all u/s and blood tests, just about everything but semen wash and IUI. I would also call the insurance company and ask them if they will cover you since you are not opting to do IVF.
Just a few tips I learned from my doctor's office and I also work for an insurance company and there are always ways to get around things.
I hope this helps and works out for you. I am about sick to my stomach thinking of the results of my test later today.
You are in my thoughts and prayers.
Amy
Just a suggestion, you can ask your doctor do bill your treatments as ovulatory disfunction instead of fertility treatment and it should be covered. This should get you through all u/s and blood tests, just about everything but semen wash and IUI. I would also call the insurance company and ask them if they will cover you since you are not opting to do IVF.
Just a few tips I learned from my doctor's office and I also work for an insurance company and there are always ways to get around things.
I hope this helps and works out for you. I am about sick to my stomach thinking of the results of my test later today.
You are in my thoughts and prayers.
Amy
dknees
02-27-2003, 05:00 PM
Jody - I am so sorry to hear this. I know how devastated you must feel and I wish there were something I could say to make you feel better. Keep praying, miracles do happen. Maybe not on our time table, but they DO happen. I know the day I started my af last week, I was horribly depressed and worried about how we would afford another round of IUI, or even if we COULD somehow afford IVF or adoption if it came down to it. When I got home that night, I had a message on the answering machine saying they wanted to interview me for a job I had applied for. It would be a $15K raise/year for me! So, there is hope out there. Cry, be miserable, do what you need to do for yourself, but don't EVER lose hope! I'll be thinking about you.....
Starr N
02-27-2003, 06:31 PM
Jody, I'm so sorry!!! Don't give up i definately know what you're going through. My insurance does not cover any fertility treatments either. Like Tazink said there are ways for your DR's office to get around coding your treatments. Please keep us posted and again I feel your pain, i'm so sorry!!
NCRSH
02-27-2003, 07:33 PM
I am new here but I know how it feels to have everything hit you at once. I finally got pregnant and lost the baby. I just had the d and c on the 13th. Keep your head up and how how unfair it seems. My roomate is 7months and she can feel hers kick and i think why me. Just relax and maybe everything will be ok.
JodyC
02-27-2003, 10:13 PM
Thanks for your responses. I can't explain how much better I feel now.
crazy2tryagain
02-28-2003, 09:01 AM
Hey Jody. It's been a while since I posted anything here. I've been in my own state of depression trying to figure everything out.
That sucks! I don't know how else to say it other than sometimes, life just doesn't seem fair. I know how your feeling. I'm there too!! On my cycle day 30, AF showed up. I wasn't expecting it either. I felt like I was dealing with morning sickness and sore bb's and the whole 9 yards!
Your situation becomes more complicated because of your insurance situation. I feel terrible for you. Please, forgive me for repeating some information, but I'm going to tell you what others so graciously told me.
Try to keep your chin up, hon. Life has a way of throwing us a curve ball at times, but we can deal with it. It's amazing how moments like this actually make us stronger. Although you don't feel it right now, there is a reason for this. You will have the best support you could imagine from the gals on this board. Everyone here understands the emotional turmoil your dealing with because we've all been there. I hope your feeling better today and each day that passes allows you to find the strength within yourself to continue TTC. I know you have insurance issues, but maybe there are still alternatives you can continue to try that will give you hope.
Best of luck to you Jody. I hope I wasnt offensive in anything I said. I really do understand how you feel and have great empathy for your situation. I hope things can work out for you one day. Jodie
That sucks! I don't know how else to say it other than sometimes, life just doesn't seem fair. I know how your feeling. I'm there too!! On my cycle day 30, AF showed up. I wasn't expecting it either. I felt like I was dealing with morning sickness and sore bb's and the whole 9 yards!
Your situation becomes more complicated because of your insurance situation. I feel terrible for you. Please, forgive me for repeating some information, but I'm going to tell you what others so graciously told me.
Try to keep your chin up, hon. Life has a way of throwing us a curve ball at times, but we can deal with it. It's amazing how moments like this actually make us stronger. Although you don't feel it right now, there is a reason for this. You will have the best support you could imagine from the gals on this board. Everyone here understands the emotional turmoil your dealing with because we've all been there. I hope your feeling better today and each day that passes allows you to find the strength within yourself to continue TTC. I know you have insurance issues, but maybe there are still alternatives you can continue to try that will give you hope.
Best of luck to you Jody. I hope I wasnt offensive in anything I said. I really do understand how you feel and have great empathy for your situation. I hope things can work out for you one day. Jodie
r_bis
02-28-2003, 10:11 AM
Hi Jody,
Really sorry to hear what u are going through. We can empathise your situation as all of us are going through the same situation.....just to get a baby.Don't feel alone .......just think of all the girls in this message board and you will realize that all of us are going through the same pain.Tomorrow is my sister-in-laws only son's first b'day and she is having a nice party and is pleading us to come to PA.My hubby is very excited to drive down there but my heart feels empty.Everybody will be there with their babies .....but what about me???I just can't face the situation where everybody will be happy except me.Sometimes i feel i am being an escapist from the situation and even hurting my husband slightly as he is very eager to go as he will be meeting many of his cousins after a long time.My hubby is very supportive and i feel very sorry for ourselves and all the couples going through this hell.
[This message has been edited by r_bis (edited 02-28-2003).]
Really sorry to hear what u are going through. We can empathise your situation as all of us are going through the same situation.....just to get a baby.Don't feel alone .......just think of all the girls in this message board and you will realize that all of us are going through the same pain.Tomorrow is my sister-in-laws only son's first b'day and she is having a nice party and is pleading us to come to PA.My hubby is very excited to drive down there but my heart feels empty.Everybody will be there with their babies .....but what about me???I just can't face the situation where everybody will be happy except me.Sometimes i feel i am being an escapist from the situation and even hurting my husband slightly as he is very eager to go as he will be meeting many of his cousins after a long time.My hubby is very supportive and i feel very sorry for ourselves and all the couples going through this hell.
[This message has been edited by r_bis (edited 02-28-2003).]
JodyC
02-28-2003, 01:21 PM
Oh my God, thank you guys so much for every word. You give me strength. RattyG, things do look clearer today. I called my RE, and we are going to try to put one more month through, but I have to know before Monday, when I have my appointment, or I will have to skip this month. My RE, and others in MI, will not code this any different than infertility because of ethical issues, so I have to switch insurance companies, or wait until January/04 when I can switch. I found out today that one of the insurance companies that my company offers does cover infertility. Then I called our national benefits center, and they said I can put a letter together and explain the situation, and they will evaluate if I can switch earlier. After reading these posts, I feel really lucky. A lot of you women have already been paying for all of this yourself, and would probably feel very fortunate to know that in 10 months, this would be covered (all but IVF). I feel like a big baby now after reading what you very, very strong women have been going through for so long. I guess I see the silver lining today. DH and I can always try herbal remedies for the next 10 months, and who knows (?). Right now I am concentrating on putting that appeal letter together. We have some money in the bank, but it seems silly to spend it all in four months when this will all be covered in 10 if we just wait. Sorry so long, just wanted to say thanks, and I have some hope now.