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   Tuesday, November 16, 2004  

Insurance, My Ass!

Before I get started, let me first give the update on my brother. He was told this morning that he does not have an aneurysm. So far we've learned the lump is not cancer (or if it is, his blood tests aren't showing it) and now this. What we haven't learned is what any of these things are. Thankfully, though, it seems my brother is not in any real danger in the immediate future. Starting to wonder if it's too soon to back out of that little deal God and I made.

While we're on the subject of that deal, I decided that my husband and I should pull up our insurance policy on the web and see exactly what is covered in terms of our fertility issues. I thought it was important since we would be meeting with Dr. P for my post-D&C follow-up this Thursday and that we would most likely have an RE recommended. This was apparently a big mistake.

Why is it that insurance companies will pay for 90% of your fertility testing but absolutely none of your treatment? Seriously, what good does it do someone to know they can't have a child naturally, but will get no help in doing something about it? I do not understand that at all. Still, unless I have some funky egg quality issue, it's not likely that an IUI or IVF would do me much good. Because as I've pointed out before, all I have to do is be somewhere in the general vicinity of an erect penis and I'm pregnant. I guess I'm just really uncertain what this whole process is going to do for me. Except maybe if I'm lucky get me to the point where a living baby is removed from my uterus. Sadly, I'm not holding out much hope for that one.

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  Comments about my post, "Insurance, My Ass!":
Insurance just sucks. I am having the same problem with my insurance. They will pay for the testing but not for the treatment. AND get this-- they will not even pay for my Rogam shot! They would rather pay for a messed up baby than a $100 shot! ARGG!!

I am glad to hear that your brother will be ok. That is one bright spot in your day.
I am so glad your brother's news was good. Still praying for him over here...

As for the insurance thing, who knows. I'm lucky...my husband's policy pays for 100% of testing and 90% of treatments, but only because he works for a large pharma and they believe infertility is a disease, not just a pain in the ass.
We just had to look at our insurance for the exact same things. We actually got off pretty lucky in terms of what they cover. But still, the things they cover taken with the things they dont, certainly don't make any sense. Good luck :-)
Glad your brother is doing well.

I hate insurance companies. I have the same kind of coverage and do not live in a mandated state that requires infertility coverage. I've always said there is a special place in hell for insurance companies.

Thinking of you.


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