Can insurance give me another chance?

So, it’s been a few weeks since I’ve put anything down on the blog.   I’ve been going through a lot of crazy emotions and not knowing where I’m going or what I’m doing.  We haven’t made any decisions yet so I’m still in limbo.  I’ve been trying not to think of it and just keep charting like that’s all I need to do.

I called my nurse the other day and had them run everything through insurance.   On my policy it states a maximum amount of money they will pay out for infertility and then in my handbook it says up to 3 IVF cycles per live birth and unlimited IUI’s up to the max.  We’ve done 3 IVF cycles so I thought I was done.

When my financial person called back she told me that they won’t pay anything for a donor cycle.  No meds, no IVF, no transfer for me.  So I was feeling pretty bad for myself.  Then she told me she spoke to a manager and one fertility specialist and they assured her that they WILL pay for another IVF cycle.  WHAT???  Apparently though my handbook says 3 per live birth theirs says 3 per year up to my max.

So now I have more to think about.  I thought IVF was out because while we could afford the actual cycle we couldn’t afford the meds.   Now we find out insurance can pay for it.    My RE said he would do another cycle because I do produce a decent amount of eggs.  This would be it though, as this would take us to our max.

So I don’t know what to do.  I’ve been thinking it’s egg donor of nothing and now we have this thrown into the mix.  I don’t really want to go through everything again for the same crap results, but what if we have better results???  Well, we now have a lot to think about.


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