Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts
Thursday, January 28, 2010
so happy
Right now i am so happy with my insurance company. I will just leave it at that. I was dancing around the house i never thought I would do that after getting some information from them. There's always a first for everything :)
Sunday, January 24, 2010
I went to the doctor and all I got was a huge hole in my bank account
You've seen those T-shirts in tourist shops and airports. "My grandma when to Europe, and all I got was this crummy T-shirt"
That is how I feel at times when I am dealing with insurance companies and paying my infertility bills with nothing to show for it. If I had a viable pregnancy or even better a real live child, dealing with the bills would still be a headache and a stress, but I think I would be able to handle it a bit better.
I cannot tell you how many hours I have spent on the phone with insurance companies. And word to the wise, if you are lucky enough to have insurance cover a portion of your infertility treatments, make sure you cross every "T" and dot every "I" because inevitably there will be some loophole you missed and you will still be out quite a bit of money.
You need to check and see if you doctor is covered, and usually get preauthorization for it.
But don't think that's it. Make sure the lab is covered.
Oh, and then make sure the hospital or facility is covered, along with the anesthesiologist that will come with if if you are doing IVF.
And then hope, but don't get your hopes up too high, that the insurance company will process all of the claims correctly. Because if not you will be explaining and reexplaining your insurance coverage to a myriad of well meaning people who will send your claim to reprocessing only to have it not reprocessed correctly. Oh the joys of having infertility insurance-and it is a joy because I know without it our dreams of having children would be that much smaller.
But just remember to "pack your patience" (as my husband and I say when going on an airline trip) when dealing with this aspect of infertility.
Tuesday, January 5, 2010
Finding Joy in...
Exercise!
As hard as it is to get out of the house and do it, once I get to the gym or get outside I am so happy I did. I feel so much better about myself and life in general when I am exercising.
I was on the phone today with insurance people about my infertility claims, and let me tell you , I know it is a real blessing to have infertility benefits, but sometimes after talking to these people on the phone time after time, it really makes you want to scream and pull your hair out, and I wonder if I would be better off paying out of pocket for all of this. They make me crazy. Anyhow, after another frustrating hour on the phone with them, I went to work out and it made life seem much better.
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