How we got insurance…
I talked a little bit in my previous post about why we chose our fertility doctor and part of that had to do with money of course. But also it was due to the fact that CFI was in our network and I had insurance coverage. I was able to get IVF covered because – heart still breaking – I had a miscarriage. So it was at a great cost that I was able to become one of the “lucky” ones that got IVF covered.
It is so sad to me that this is the only way I would qualify. I wanted them to care about the test we did and look at my numbers to see that I was a perfect candidate for IVF insurance coverage but that is not how the current system works.
With that said I truly believe that God knew what he was doing and quite frankly had a plan and if we were not able to get coverage I am not sure what we would have done. There was talk about selling our house and moving to a cheaper mortgage, selling my wedding ring, taking out a loan, opening a new credit card, and picking up 2nd jobs. I also started thinking about how I could fundraise, save face but appeal to our friends and family with such humble desperation that they would chip in on this dream of ours.
So we had insurance coverage for our retrieval round and our first transfer. Our 2nd transfer – which we hope to do pretty quickly – we will have to pay for out of pocket. Which is a scary thought because we will also have daycare costs. But it puts my in the frame of mine that relates to any other person that is having to pay out of pocket for IVF.