While I was at the RE today, I finally got to meet the "insurance lady". I am NOT very fond of her. She was a total Whammy..."Press Your Luck" style.
From here on out please read any "quotes" like this...
That is alot of stuff for her to "remember" and dig out of my medical records. SHE DIDN'T EVEN WRITE IT DOWN!?!?! I know this is her "job" and she "probably" knows what to send. But she admitted that she rarely deals with insurance companies when it comes to IVF since very few of them cover it. I'll give you one guess who the responsibility is going to fall on when it comes time to making sure everything is filed properly with my insurance company... ME!!! Normally this wouldn't piss me off, Ok I'm am lying. I even hate it when waitresses don't write down my dinner order. Take out a freaking pen and write it down on a post it note. Hell, I will even accept a mini post it note written in hieroglyphs, JUST WRITE IT DOWN!!!
After she annoyed me with that crap, she mentioned the $1500 "cycle management fee". WTF is that you may ask? It's a freaking RIP OFF! That $1500 is charged by my RE's office and NOT covered by insurance. As if IVF is not expensive enough for us infertiles they have to throw in a extra $1500 administrative fee? Remember my debate on whether to freeze of not? Well I'm definitely freezing now. Doing this IVF cycle will make us meet our yearly max out of pocket insurance deductible. So basically after we pay that amount everything should be covered at 100% (Aka: free) for the rest of the year. I should be able to do another IVF cycle for free, but NOOOOOOOOO my Dr thinks they need to add on an extra charge of $1500. I know I have infertility insurance but most people don't and as if $17,000 to get pregnant is not expensive enough they have to add an extra $1500 into the mix?
I was so mad today that I actually called another local IVF office and got their fee schedule. Ummm...yeah so apparently everyone charges this crazy "cycle management fee" (For the record, I really do throw air quotes anytime I say "cycle management fee"). Long story short...I'm paying the freaking $1500 and sticking with my original RE. It sucks but what other choice do I have? I can't complain, even with this "fee" we are only up to $2800 for this IVF cycle (not including freezing). I can't believe I am even complaining about it. Please don't hate me! All I can think about is how much baby stuff I could buy with those 1500 dollars. Maybe the Sunday paper will offer an IVF coupon next week. ;) Fingers crossed! HAHAHA!!!
P.S. While you are here, will you take 10 seconds to click on this link and vote for my very favorite infertility blog, Busted Plumbing. She is awesome and it only takes 2 clicks, you don't even have to input an email address or anything. If you need a good laugh definitely check out her blog.