I have been on a variety of birth control pills in my life, and while some have been better than others, I cannot believe what devil pills these microgestin pills are! The side effects really started hitting about three days ago and I can't believe how different I feel on them than when I was on reclipsen, orthotricyclen, yaz, etc. I'm super moody, crampy, moody, nauseated, headachey, moody. Did I mention I was moody? I got into an all-out claws-out fight with my husband yesterday over how we sorted mail and how it wasn't working for me. It ended with me screaming bloody murder and crying like a baby for an hour or so. It was literally like watching a horrible movie unfold and you are just yelling at the character "STOP!" but you can't control it. It's awful. My poor, poor husband.
I called the RE to make our payment of $4030 this morning for our FET cycle fees. Knowing we were going to go through our FET in 2013, I called my HR department during open enrollment last year probably five times to confirm that even though we don't have medical benefits for the FET, that this out of pocket money WOULD go toward our deductible and out of pocket max for the year. We have an HSA in 2013, but paying this out of pocket up front would mean that the rest of our care (maternity, allergy shots, everything!) would be covered at 85% and then even 100% once we hit $5000. Every time I called them, my HR department confirmed this was true. And according to them, the RE just has to submit the claim to insurance, let it be denied, and the money will show as being tied to us and will go toward the deductible and max. Well, the RE said they won't bill whatsoever because that's not covered and it will only go toward it if it's covered. I called the insurance company, and they said the same thing - that only covered expenses go toward the OOP max and deductible. I called my HR department again this morning and they repeated what they said the first five times that it IS eligible to go toward the OOP max. I feel like an ugly tug of war is about to begin and I'm really unhappy about it. Why can't these things just be easy? Isn't infertility hard enough on it's own without this nonsense? I could scream.
And to make matters even more annoying, I am on-call for work which means I get all kinds of phone calls in the middle of the night for things breaking. I wish I didn't have to do this while I was cycling, but alas, it's a part of my job and I just have to suck it up and do it.
Thanks for hearing me vent, these pills are really messing with me. I'm sure I'll be all puppies and rainbows again, but for today I want to just scream in a pillow.
On the bright side, the money is now paid for and I should be getting an email with my FET calendar later today. Trying to continue to focus on that bright side!
Gosh I hate insurance crap!
Insurance in THE worst! I have wonderful infertility coverage! $15,000! But guess what? Since we need DE, it won't cover a thing! After talking to a (very unhelpful) 'specialist' at our clinic (who messed up our request, then messed up the informal appeal) I decided to formally appeal on my own. Clearly I should have taken the reigns long ago because my appeal was accepted and they will now cover any expenses that happen after our donors retrievel, when the eggs will be legally considered mine! So, that is $5000 in our pocket that we werent expecting! yey! Still no coverage for donor costs, agency fees, etc, but a small victory1 Here is hoping you win teh insurance battle! It is truely a pain! Hope you are feeling less moody soon too! Hugs!
ReplyDeleteThank you for posting a comment. I'm glad you stuck with it and got the $5000, that is quite a victory. :)
DeleteI know all about the crazy hormones! So sorry that you're going through it now! Just concentrate on the five snow babies you have and that soon one or more will be in your womb.
ReplyDeleteLooking back, it sucked, but I'd do it again in a heart beat for our little Wiggler (or a future Wiggler!). It will all be worth it when you have that baby in your womb :)
I appreciate the words of encouragement. You're 100% right - I need to keep my eye on the prize.
DeleteJust found your blog and am excited to "follow" your journey! I am mama to a 2 1/2 year old snowflake, Makenna (http://snowflakebabygirl.blogspot.com) and am gearing up for my second FET the end of this month.
ReplyDeleteAlso, I wanted to let you know that my experience with insurance would tend to agree with what your insurance rep is telling you - anything that is not covered does not typically count toward your deductible. I did notice that you used different lingo when you mentioned your HR lady - OOP max is different than deductible, so while it might county toward your OOP max (which it sounds like your HR lady is telling you), it might not count toward your deductible. Make sense? Good luck!! I'll be praying for you!!
Thanks for stopping by, Laura! I love hearing success stories and will check out your blog. Good luck with your FET, 2013 is going to be a good year for snowflake FETS, I just know it. :)
DeleteI think you're probably right, that my HR department told me the wrong information. In any event, I'm having them go fight for me so if they are indeed wrong, they get to be the ones to have to hear it directly. I'm not sure how they can rectify it with me, but I guess that's life.
Thanks so much for your prayers!
I tried the patch for birth control in college, and I was miserable. Like PMS x 100, the whole time. I hope it eases up for you!
ReplyDeleteI have no advice on the insurance thing, except fight fight fight! If you're getting conflicting stories, fight for a straight answer, and especially the one you want. Every little bit helps! Good luck! *hugs*
Thanks. My mood has improved a little over the past few days. I introduce Lupron on Sunday. Heaven help us all lol!
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