Insurance is a Beautiful Thing

Many of you have already seen my excited update on Facebook, but we got some amazing news last week! Probably the best news we have gotten ever in our journey towards a healthy baby.

We met with the billing department at The Fertility Center a few weeks ago. The woman who helped us seemed excited and told us we have great insurance that will cover most of our IVF cycle. This has happened a couple different times. They tell us nearly everything will be covered and then say none of it is covered when we remind them that we are not infertile. The billing ladies don't keep up on the medical side of things for obvious reasons, it usually doesn't change how they need to process insurance.  This time was different in that they had already sent the claim to insurance and it was initially approved. They did however still need to send in all of our clinical information. Our insurance company would review everything and make a final decision from there. She wrote out the total we would owe if insurance will in fact cover our cycle and the amount we would owe paying out of pocket...it was around an $8500 different!

We left the meeting expecting everything to be denied by insurance. Less than a week later, I got a call while I was at work...APPROVED! We will only owe around $500 for the rest of the IVF procedures. I normally don't answer personal calls while on the clock, but I recognized the number. I was so excited I had to tell the ladies at work. There were hugs all around. I realized then that everyone at work knew before Brian..whoops! This has lifted such a weight off of our shoulders and made this a much more pleasant experience. Insurance will unfortunately not pay for all of my injectible medications, which will add a pretty penny to our total, but we really shouldn't complain about that now. Our doctor is filing an appeal and we will see what they say.

Tomorrow will mark 4 weeks since RGI began working on our gene probe. We were told it takes 4-6 weeks for the entire process, meaning at any point in the next 2 weeks we will be getting ready to start injections. For now, we are celebrating insurance and counting our blessings! Good things are happening! :)

-Emily